Credit Analyst I

As a Credit Analyst I, you’ll play a high-impact role in driving smart lending decisions and helping clients move their goals forward. You’ll dive into industry and financial analysis for both current and prospective borrowers, delivering sharp credit insights and outstanding service every step of the way. Partnering closely with Loan Officers, you’ll help move financing requests from initial review through payoff, including renewals and modifications. This is an exciting opportunity to build your expertise while supporting a dynamic, sophisticated portfolio spanning commercial & industrial, commercial real estate, and private banking / professional services clients.

This position also works cooperatively to support the Lending and Credit functions of the Bank, including, but not limited to:

• Prepare written risk analysis of commercial loan applications
• Ensure compliance with all Bank policies and applicable laws and regulations

Deliverables and Accountabilities:

1. Conducts thorough risk analysis of applications for commercial credit including financial statement spreads, performance      ratios, covenant checks, borrowing base certificates, and loan stress testing culminating in a written commercial loan analysis for review by      officers, committee, or Board as appropriate.
2. Conduct independent and objective annual reviews of existing loans as well as scheduled and unscheduled loan reviews of the      existing portfolio.
3. Regularly reviews compliance with all applicable laws and regulations relating to the commercial lending function and      internal loan policy.
4. Prepares reports for Management and the Board as assigned.
5. Perform collateral reviews and audits as requested.
6. Assist the team in monitoring delinquencies, overdrafts, exceptions, and covenants and perform collateral review audits as requested.
7. Other duties as assigned

Differentiating Skills

• Bachelor’s degree in Accounting, Finance, or other business-related degree.
• 1 + years experience as a Credit Analyst preferred.
• Foundation in accounting principles as they relate to banking.
• Strong analytical and research skills.
• Ability to analyze and interpret financial statements.
• Comfortable navigating multiple computer systems and applications making connections and utilizing resources to draw      conclusions and solve complex challenges.
• Basic knowledge of banking policies, procedures, and government regulations.
• Excellent customer service skills and proven ability to handle most customer service inquiries and diffuse difficult customer situations independently.

Soft Skills

• Work under pressure and perform several tasks simultaneously.
• Ability to work independently or in groups.
• Proven excellent verbal/written communication and interpersonal skills.
• Attention to detail and accuracy.
• Ability to meet deadlines.
• Ability to maintain the confidentiality of credit and customer information.

Functional Skills

• Functional/technical learning
• Basic understanding of risk & controls
• Detail oriented
• Service level driven
• Understands business process

Physical Demands and Work Environment

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or fingers, handle, type or feel objects, tools, or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually moderate.