Credit Analyst

Evaluations

Conducts periodic credit reviews of financial and credit information to assist lending and credit administration department personnel in the credit decision making process.

Regulatory Compliance

Complies with banking regulations which are applicable to the job, including Bank Secrecy Act and information security initiatives.

Credit Analysis

• Performs a complete review and/or analysis of specific borrowing relationships
• Prepares necessary reports to support credit making decisions
• Prepares an objective, accurate, and concise analysis and/or review of financial and credit information utilizing bank and industry standards
• Addresses all significant loan underwriting, administrative and credit risk issues

Loan Presentations

May be asked to assist loan department personnel in presenting information to Loan Committees or bank customers.

Professionalism and Communication

• Remains objective and independent regarding the loan relationship
• Communicates through possible controversial issues with loan department personnel in a straightforward and equitable manner

Interdepartmental Collaboration

Works with all departments of the bank and its affiliates, coordinating work and documentation as needed to complete files.

Customer Interaction

Interacts with Commercial Lending and Credit Administration employees on a daily basis to complete work in a timely and thorough manner.

Workload

Analyzes approximately 100-150 proposals/reviews annually.