Commercial Credit Analyst III

General Duties and Responsibilities

• Perform various duties involved with the credit analysis function on all credit relationships as assigned.
• Develop information for use by the Relationship Managers, Loan Committee, and Board Loan Committee for the purpose of making decisions on new and existing loans.
• Collect and analyze credit information from all available sources, including: in-house, other financial institutions, various agencies, etc.
• Analyze financial statements and all related material, in part, through use of spreading software.
• Attend and participate in customer calls with the Relationship Managers, including the documenting of calls, as requested.
• Development and preparation of credit presentations to document credit files and provide the Relationship Managers and/or QNB Loan Committee and Board Loan Committee with the information necessary to make informed credit decisions.
• Maintain and update credit files.
• Monitor progress log for all scheduled annual reviews and ensure completion of such reviews within the set time parameters.
• Review Biweekly Loan Report for accuracy.
• Assist in developing new procedures and programming to enhance automation and efficiency.
• Assume management of departmental workflow in the absence of the Chief Credit Officer or Credit Dept. Manager.
• Review and critique file memos and credit presentations for other Credit Analysts.
• Aid in training of Credit Analysts.
• May have supervisory authority over Credit Analyst I.
• Work directly with other departments to facilitate work flow.
• Work directly with customers as needed.
• Complete assigned compliance training in a timely manner and demonstrate the ability to apply training to their duties and responsibilities including their supervision of other employees.
• Assumes additional responsibilities as requested.

Required Training, Experience, and Education

• Must have a Bachelor’s degree in business administration specializing in finance, accounting or economics.
• Must have a minimum of 5 years credit analysis experience.
• Extensive knowledge of financial statements.
• Ability to multi-task and work effectively with colleagues, managing time and resources to ensure work is completed efficiently and within established time frame.
• Interpersonal skills to represent QNB in a positive manner when dealing with internal and external customers.
• Must be proficient in various computer applications, including Microsoft Word and Excel.