AVP/Credit Analyst

POSITION TITLE:                               Credit Analyst

DEPARTMENT:                                  Credit Administration

ACCOUNTABILITY:                           EVP, Chief Credit Officer

Scope of Responsibility:  The Credit Analyst position supports the Bank’s lending function and facilitates loan portfolio management objectives. This position performs highly technical credit and financial statement analysis utilized in underwriting new commercial loan requests, renewing open-end commercial lines of credit, and ongoing financial reviews for the Bank’s customer relationships.

Duties & Responsibilities:

• Preparation of loan analyses for new credit requests, including spreading financial statements, completing or updating the various component of an HSB Loan Approval document, including Business and Management Background, Business and Personal Financial Analysis, Obligor Cash Flow, Strengths and Weaknesses of the proposed loan, etc.
• Compose the narrative analysis for credit requests where appropriate based on the size and complexity of the transaction or relationship
• Effective assessment of:
  • Customer’s background and management capabilities
  • Customer’s products or services, industry outlook, and competition
  • Customer’s financing history
  • Customer’s and guarantor’s financial capacity
• Spread new financial information received on existing credit relationships and update the analysis to assist lenders with annual loan risk rating reviews
• Prepare financial documentation for review and renewal of commercial lines of credit, including evaluation of payment performance and covenant compliance

• Prepare industry-specific research as needed from time to time where relevant and appropriate to a credit decision

• Providing financial analysis needed for modifications and extensions;
• Participating in required compliance training and ensuring compliance with all regulations that apply within the scope of the position. Supervisors have day-to-day oversight responsibility for ensuring compliance with regulatory laws as they relate to functions within their departments;
• Maintains comprehensive knowledge of bank policies and procedures, including BSA.
• Account Management 
  • Maintain financial statement tracking, covenant compliance tracking, and documentation deficiency reporting systems within LoanVantage
  • Maintain oversight of ongoing reviews and renewals of commercial lines of credit within LoanVantage

• Assist with regulatory examinations, loan reviews, and audits

• Other Duties
  • Maintain good working knowledge of the Bank’s credit policies and regulatory lending guidelines
  • Maintain an excellent understanding of legal documentation requirements
  • Provide consultative support to the credit documentation and administration staff to ensure credit facilities are properly documented
  • Actively participate in community service activities and/or volunteer to promote our mission, generate visibility, and serve our local community.
  • Other duties as assigned

Contacts & Relationships: The individual in this position will work closely with credit and loan department personnel, Business Development Officers, Chief Credit Officer, and Chief Lending Officer to provide management with an objective and ongoing assessment of the overall portfolio quality.  

Knowledge, Skills & Experience:

• Undergraduate/Associates degree in Accounting/Finance;
• Banking industry experience preferred;
• Understanding of personal and business tax returns & financial statements;
• Demonstrates attention to detail and ability to multi-task in a deadline-driven environment;
• Ability to work independently and in a team atmosphere;
• Excellent written and verbal communication skills.

Physical Requirements: The physical demands described here represent those that an employee must meet to perform the essential functions of this job successfully. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

While performing the duties of this position, the employee is regularly required to sit or stand for prolonged periods, reach with hands and arms, stoop, kneel or crouch.  The employee must occasionally lift and/or move up to 15 lbs. Vision abilities required include close vision, distance vision, and peripheral vision. Employee will need to be able to do close-up paperwork and view computer screens.   

EEO Statement: Hebron Savings Bank provides equal employment opportunities to all employees and applicants without regard to unlawful considerations of race, creed, color, national origin, nationality, ancestry, age, sex, familial status, marital status, domestic partnership, affectional or sexual orientation, gender identity or expression, liability for military service, mental or physical disability or perceived disability, and any other classification protected by applicable state and federal laws.  Reasonable accommodation is available for qualified individuals with disabilities, upon request. 

Hebron Savings Bank expressly prohibits any form of workplace harassment or unlawful discrimination against individuals on the same basis as outlined above. 

Job Classification:           Exempt