Credit Analyst

Responsibilities

• Spread Financial Statements for Analysis
• Maintains the bank’s analysis software in order to provide overall support and assistance to lenders in the financial analysis process
• Reviews incoming financial statements and updates or completes financial spreads
• Performs Complete Credit Analysis for Routine and Complex Credit Requests
• Completes an analysis financial statements received from borrowers
• Manages the future maturity list to ensure credits are renewed timely
• Prepares Written Loan Presentations for Routine and Complex Credit Requests
• Provides written financial statement analysis for credit presentations, file comments, and annual reviews
• Maintains the report of reviews due and works with lenders to keep comments current
• Provides Assistance to Lenders in Underwriting Credits in Accordance with Bank Policies
• Completes periodic reviews of file quality for participation portfolio
• Monitors and reports on specialized portfolios
• Prepares modified credit presentations on new and renewing loans that require Loan Committee approval including exposure summary, financial and cash flow analysis, collateral analysis, covenant and risk rating review
• Manages the Appraisal Process
• Places appraisals for bid with approved appraisers
• Selects appraiser and completes engagement letter
• Tracks appraisal status in relation to engagement letter, communicates with appraiser and lender on status
• Completes review of residential appraisals
• Regularly Interact with Borrowers and Accountants to Obtain Information Relevant to the Analysis
• Provides Assistance to Lenders with Policy Compliance, Loan Structuring, and General Underwriting
• Affords Assistance to Lenders in Identifying Cross-Selling Opportunities
• Understands the Bank’s Internal Loan Policy and Remains Current with Revisions and Exceptions to the Policy
• Performs Other Job-related Duties or Special Projects as Assigned

Requirements

• Education: Bachelor’s degree in business, finance, or accounting preferred
• Minimum Experience: Two to five years of experience as a credit analyst or relevant experience in a position utilizing similar analytical skills