Credit Analyst

This role serves as a key support person related to financial analysis and communication of loan decisions.  

QUALIFICATIONS

· College degree with concentration in accounting, economics, finance or related field; or  equivalent relevant experience in a financial institution.

• Minimum of 3 years of banking  experience
• Minimum of 5 years of credit analysis and/or loan review experience within the banking industry

· Must be proficient in basic software applications such as Microsoft Word, Excel, and Moody’s  Financial Software. Familiarity with Bank’s internal applications is helpful

• Must be attentive to detail with the ability to gather,      correlate, and analyze facts to develop solutions

· Excellent time management skills.

· Must possess good verbal and written communication and organization skills

• Willingness to train and develop with bank and position needs

ESSENTIAL DUTIES AND RESPONSIBILITIES

· Responsible for complex credit scenarios

· Responsible for spreading financial statements based on information provided in the loan package

· Provide loan decisions and/or credit recommendations based on a review of all underwriting criteria, including loan structure, collateral, interest rate, and fees.

· Effectively communicate loan decisions to loan originators

· Identify and review all necessary due diligence items along with negotiating terms and conditions of loan with originator

· Mentors junior loan underwriters through all stages of the underwriting process

· Provide the necessary coaching of lending staff to enhance understanding of the borrower.

· Identify and communicate cross-sell opportunities discovered during the underwriting process

· Examine files periodically for assurance of credit and collateral documentation, regulatory compliance, and loan policy conformance; review technical exceptions and deficiencies 

· Prepare written analysis on all loans, aggregate lending vs. indebtedness for individual borrowers, complex loans, and weak loans

· Identify problem loans, make recommendation for assignment of loans to review loan list that is reviewed quarterly with the board; discuss the status of problem loans with the CFO and senior lending officers and make recommendation regarding the future credit information needs; identifies loans meeting non-accrual or charge –off criteria.