Small Business Credit Analyst

Burke & Herbert Bank & Trust•Salisbury, MD

1d•$25 - $37•Onsite

About The Position

Supports the Bank’s objective of enhancing the value of the group by increasing sales-force efficiency through the delivery of underwriting support, guidance, and portfolio services. This position requires leveraging prior experience and applying strong analytical skills to develop well-supported recommendations for Credit Officers in support of loan decisions up to $2MM.

Requirements

Bachelor's degree in accounting, business administration, finance, or other business-related field or equivalent amount of prior experience in commercial lending, small business lending, underwriting or portfolio management required.
Excellent customer service skills.
Excellent organizational, time management and prioritization skills, sufficient to accomplish every aspect and task in the life cycle of a loan.
Excellent, effective verbal and written communication skills.
Willingness and ability to provide guidance to others at the same or lower level.
Skillset sufficient to translate analytical skills into recommendations in support of loan decisions.
Willingness and ability to work closely with Banking Officers, the retail branches, the commercial lending team and customers.

Responsibilities

Provide assistance in structuring, pricing and approving small business banking loans.
Review and analyze new and maturing loan applications, financial statements, and other supporting documentation of borrowers and guarantors to effectively decision credit requests.
Utilize the Bank’s spreading software, Loan Vantage, to accurately and efficiently process credit requests.
Communicate loan decisions and recommendations.
Monitor and remain apprised of underwriting practices and assist the Credit Officer in communicating these practices.
Direct loans through the due diligence and documentation processes.
Seek to maintain appropriate levels of credit quality in origination, renewal and monitoring portfolio of small business banking loans, consistent with overall objectives of the Department.
Perform periodic review of all credit, loan, and collateral files to ensure information is current, cure exceptions, and report difficulties.
Underwrite a portfolio of existing loans, working directly with the Banking Officers to process new money requests and maturities.
Provide appropriate turnaround time on loan applications, meeting the minimum service goals for the Department.
Perform other duties as assigned.