Credit Analyst

Summary:  Assist and support lenders in acquiring and compiling needed information for credit analysis and credit approval packages. Input financial information into excel spreadsheet and loan management system software.

Essential Duties and Responsibilities:

• Performs analysis of financial statements, cashflows, and pricing analysis
• Understand and evaluate key components of the financial analysis process including the “5 C’s of Credit” (character, capacity, capital, collateral, and conditions)
• Learn and understand bank policies in relation to credit requests
• Prepares presentation materials for new and additional credit proposals
• Perform other duties within the branch, special projects and research as needed.
• Proficiency with Excel and Word

Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience: Primarily an entry level position with zero-to-two years of experience with a financial institution. Minimum qualification of high school diploma or equivalent. Bachelor’s degree from a four-year college or university is preferred. Related work experience is beneficial. Related experience and/or training; or equivalent combination of education and experience.

Language Skills: Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or government regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Competencies: To perform the job successfully, an individual should demonstrate the following competencies:

1. Customer Service - Responds promptly to customer needs; Solicits customer feedback to improve service ; Responds to requests for service and assistance; Meets commitments.
2. Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things.
3. Oral Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions.
4. Written Communication - Writes clearly and informatively; Able to read and interpret written information.
5. Ethics - Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values.
6. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity.
7. Attendance/Punctuality - Is consistently at work and on time; Ensures work responsibilities are covered when absent.
8. Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals. Completes tasks on time or notifies appropriate person with an alternate plan.