Senior Credit Analyst / Credit Manager

Queenstown Bank of Maryland.•Queenstown, MD

11d

About The Position

This position is primarily responsible for oversight of the credit analyst team and reviewing the credit worthiness of commercial and consumer borrowers through financial analysis. The Credit Analyst Manager is responsible for credit analysis of the most complex and largest credit exposures.

Requirements

Degree in Accounting, Finance or related field strongly preferred, or equivalent experience required.
Minimum of eight years’ experience in commercial credit analysis or related credit risk management.
Supervisory experience required.
Previous Banking experience strongly preferred.
Expert knowledge and understanding of commercial and consumer loan documentation and third party due diligence, such as real estate appraisals and environmental reports
Ability to analyze financial reports and statements
Proficient computer skills including use of Microsoft Office (Word, Excel, & Outlook)
Excellent listening, verbal and written communication skills.
Familiarity with related laws and compliance administration.
Strong organizational, mathematical and problem-solving skills
Detailed oriented, ability to manage priorities and workflow.
Ability to maintain confidentiality.
Solid analytical skills with a background in loan underwriting, administration, and operations desired.

Responsibilities

Organize and staff the credit administration function effectively and build a qualified, capable and results-oriented team.
Oversee pipeline management process
Maintain appropriate risk management, internal control and compliance systems in the credit administration function.
Oversight and management of the Credit Analyst team, including staff performance management.
Analyze financial and related data to determine creditworthiness of the prospective customers and the merits of the loan request for commercial borrowers and to monitor trends in performance.
Underwrite or provide analysis of the most complex and large credit exposure deals.
Ensure approval packages are complete, accurate and in accordance with the lending policy.
Maintains credit files on-going to ensure that background and historical data, financial statements, tax returns, loan commitments, collateral, correspondence, and other supporting documents are included and current.
Maintains a positive and productive working relationship with all members of management, loan officers and Bank staff.
Adheres to Bank policies and procedures required by federal and state statutes, laws and regulatory rules.
Adheres to Company’s Safety and Security Policies and Procedures.
Adheres to Company’s behavioral standards and Core Values, which are Trust, Customer Commitment, Teamwork, Excellence and Performance.
Performs other duties as assigned by management.

Benefits

Medical, Dental and Vision insurance offered 1st of the month following 30 days of employment
Paid Time Off (PTO) starts at 3 weeks per calendar year (prorated for new hires based on start date)
12 Paid Holidays (including Birthday)
401K retirement plan with up to a 4% Company match and immediate vesting
Tuition Reimbursement
Employer paid life insurance
Employer paid disability insurance
Voluntary life and disability insurance
Employee Assistance Program
Employee Discounts and Perks