Credit Analyst

A Credit Analyst’s primary responsibility is to evaluate the financial condition of individuals and businesses applying for residential lending credit by conducting financial analysis.

    Responsibilities Include:

  • Performs credit analysis of simple financial statements and collateral evaluations independently with direction of the SVP/Credit Department Manager.
  • Conducts financial analysis to include spreading financial statements, ratio analysis, and industry comparisons.
  • Analyzes cash flow and projections, including collateral and secondary repayment sources.
  • Makes recommendations in accordance with sound banking practices in order to minimize risk exposure.
  • Ensures commercial loan requests adhere to Bank policies and procedures.
  • Works closely with loan officers in the preparation of loan presentations and analysis of the financial strengths and weaknesses of commercial borrowers.
  • Verifies and analyzes financial information and prepares narrative analysis of findings on new loans and on existing loans; practices drafting loan presentations with direction of the SVP/Credit Department Manager. Requests additional information as required to complete the evaluation.

Qualified candidates will possess the following:

  • Bachelor’s degree in related field.
  • Minimum one year prior credit analyst experience.
  • Solid analytical and problem-solving skills.
  • Familiarity with commercial loans.
  • Familiarity with risk analysis tools.
  • Possesses solid time management skills and the ability to prioritize.
  • Strong computer skills, especially with creating and maintaining spreadsheets.
  • Strong verbal, written and interpersonal communication skills.
  • Ability to demonstrate initiative and flexibility/adaptability under tight deadlines.
  • Ability to prioritize and follow through on work assignments.

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