Commercial Credit Analyst

Position Description

Helping customers with their financial needs and leading the way in innovation and responsiveness is the core of CoreFirst Bank & Trust's mission. This philosophy, the CoreFirst Way, has guided the bank well for nearly sixty (60) years and sets us apart from competitors.

Essential Functions & Responsibilities

• Reviews credit data to evaluate commercial/business loan requests to approve or deny applications and review existing credit relationships for ongoing credit worthiness.
• Analyzes sources of financial information to determine potential risks of a loan.
• Prepares written credit presentations for submission to Officers and committees.
• Analyze and interpret financial and other credit related information to assess the financial condition and risk of financing requests, to include commercial, construction, real estate, and consumer, within the framework of the Banks credit standards.
• Able to use independent judgment in the identification of key strengths and weaknesses of a wide variety of credit types.
• Understand the different types of financing products available and how they are used to meet a borrower's needs.
• Absorb and follow Bank policies and procedures.
• Assists in the preparation of credit presentations through formal written financial analysis, industry peer analysis, collateral analysis, gathering relevant market data, personal credit report analysis, and any other analysis deemed appropriate for the request.
• Provide quality service to internal customers through undertaking risk assessment analysis of various types of lending proposals.
• Possesses a working knowledge of Sageworks software which is used by the bank to perform analysis and prepare credit submissions.

Education & Experience

• Bachelor's degree in Accounting, Finance, Business Administration, or Economics.
• Minimum of 3 years of relevant job experience.

Skills & Abilities

• Thorough understanding of financial statements, including balance sheets, income statements, and statements of cash flow as well as the ability to analyze and interpret the content.
• Basic knowledge of commercial, construction, real estate, and consumer lending.
• Excellent time management skills with the ability to manage multiple and changing deadlines with limited supervision and significant analytical thinking.
• Dedicated, goal oriented, and an energetic self-starter.