Credit Analyst Jobs

About The Position

Requirements

• Bachelor’s degree in business, Economics, Finance, Accounting, or equivalent experience.
• Minimum of 1 year’s experience in credit analysis or equivalent work experience.
• Basic understanding of financial statements, tax returns for individuals and all types of business entities as well as understanding of basic accounting principles.
• Knowledge of and ability to comply with loan policies and procedures.
• Excellent communication, organizational and interpersonal skills.
• Excellent problem solving and analytical skills.
• Mature, outgoing, and have a professional attitude with customers, prospects, and co-workers.
• Proficient in MS Office (Outlook, Word, and Excel) and Financial Statement Analysis software.
• Ability to make sound decisions, prioritize work, meet deadlines and work independently with minimal supervision.
• Strong interpersonal skills including professional etiquette and service mentality.
• Strong business communication skills, both verbal and written.
• Ability to travel to other Peoples Bank locations and off-site for meetings as required.
• Professional demeanor and high regard for confidentiality.
• Ability to model the Peoples Bank Mission, Vision, and Values.

Responsibilities

• Spreading and analyzing financial statements and tax returns for Commercial Banking Officers.
• Reaching out to customers as directed by Commercial Banking Officers to obtain financial information.
• Identifying loan purpose, sources of repayment and collateral value.
• Preparing Income & Debt Service Schedule and analyzing Global cash flow.
• Preparing Loan approval packages required for credit approval submission.
• Drafting term sheets and commitment letters as directed by Commercial Banking Officers.
• Maintaining current knowledge of external factors, including economic and industry conditions, which affect loan quality.
• Preparing written analysis to accurately identify problems, trends, and material changes in financial statements, cash flow, and ratios.
• Performing all functions of financial statement spreading software and commercial loan origination system.
• Supporting Commercial Banking Officers in management of maturing loans.
• Alerting Commercial Banking Officer and Credit Administrator to problems or unusual trends.
• Complying with governing regulations by maintaining current knowledge of commercial law, UCC and banking regulations/ policy to ensure conformity with required laws and terms.
• Accompanying Commercial Banking Officers on customer calls for information gathering purposes as needed.
• Supporting functions of the Commercial Loan Assistant.

Benefits

• Hybrid work from home options
• Profit Sharing
• Incentives
• Bonus Structures
• 12 days of paid vacation
• 2 paid wellness days
• 2 days of paid community service time
• Paid sick leave
• 11 paid holidays
• Medical Insurance
• Dental Insurance
• Vision Insurance
• Mental Health Resources
• $200 annual reimbursement for wellness related expenses
• 8% 401(k) employer match
• Life insurance
• Disability insurance