2609-1 Credit Analyst

Position Summary

Responsible for underwriting loan requests, preparing approval summaries, and partnering with Business Developers to obtain and analyze financial information supporting sound credit decisions.

Responsibilities

• Analyze borrower financial information, including tax returns and financial statements, and prepare cash flow analyses to assess repayment capacity and credit risk.
• Review consumer and commercial credit reports, evaluate risk factors, investigate concerns, and communicate findings.
• Prepare loan approval requests, financial analyses, and supporting documentation for approval.
• Assist Business Developers with delinquent loan collections, workout strategies, and borrower meetings.
• Conduct loan portfolio stress testing and prepare reports on emerging risks and economic impacts.
• Monitor loan portfolio performance, identify credit risks, and recommend corrective actions.
• Maintain financial records and relationship overviews for major borrowing relationships.
• Prepare monthly loan production and departmental reports.
• Track loan approval conditions, documentation requirements, and outstanding exceptions.
• Apply and support compliance with the Bank's Loan Policy, credit standards, and regulatory requirements.
• Monitor financial performance of large borrowers and identify adverse trends or covenant violations.
• Track loan covenant compliance and reporting requirements.
• Prepare annual relationship review memorandums for significant borrowing relationships.
• Maintain standing commitment and unfunded obligation tracking.
• Monitor delinquency trends, risk grades, watch lists, and classified assets.
• Assist with management and liquidation of OREO and other bank‑owned assets.
• Review construction inspections, draw requests, budgets, and funding approvals.
• Manage bankruptcy‑related loan portfolios, court deadlines, and workout strategies.

Requirements

• Bachelor's degree required.
• Prior banking experience preferred.
• Experience with Fiserv Navigator preferred.

Skills

• Excellent written and verbal communication skills.
• Ability to manage multiple priorities in a fast‑paced environment.
• Proficiency in Microsoft Office, particularly Excel.
• Understanding of tax documents preferred.
• Strong attention to detail and accuracy.
• Self‑motivated, proactive, and receptive to direction.
• Strong analytical, mathematical, and problem‑solving abilities.

All applicants can apply to jjohnson@coffee.bank.