Commercial Credit Analyst I

Job Summary

Responsible for conducting high-level analyses of commercial/business loans. Reviews credit data to evaluate commercial/business loan requests in order 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.

Essential Functions & Responsibilities

• 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 Bank’s credit standards.
• Applies accounting acumen and financial expertise to spread all types of financial information using financial software and interpret the resulting financial metrics used in the credit decision process.
• 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.
• Aids 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.
• Follows Bank policies and procedures.
• Provide quality service to internal customers through undertaking risk assessment analysis of various types of lending proposals.

Knowledge, Skills, Abilities

• Education: Bachelor’s degree in Accounting, Finance, Business Administration, or Economics.
• Experience: Experience and training in financial statement and tax return analysis preferred.
• Experience: Basic knowledge of commercial, construction, real estate, and consumer lending preferred.
• Basic 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 state and federal loan regulations and Bank lending policies.
• 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.
• Effective verbal and written communication skills.
• Proficient with Microsoft Word and Excel.

Competencies

• Adherence to CoreFirst Values; Respect, Communication, Integrity, Initiative, and Accountability.
• A secondary focus on internal and external Customers, Compliance, Ethics, Perseverance, and Time Management is also essential.

Physical Requirements

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to talk or hear. The employee is frequently required to sit, stand, and walk. Some light physical effort is required.

Work Environment

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, copy machines, filing cabinets, and fax machines.

Travel

Travel is primarily local during the business day, although some local evening and weekend travel may be expected.

CoreFirst Values

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, copy machines, filing cabinets, and fax machines.

Equal Employment Opportunity

CoreFirst Bank & Trust complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.