Credit Analyst

About the role

The Credit Analyst supports Credit Analysis in maintaining credit quality by preparing detailed credit analyses, providing support for the underwriting of commercial loan requests, analyzing data for special projects and portfolio reports, providing support to more senior Credit Analysis staff, and maintaining proper response time in support of portfolio and relationship managers.

Essential Duties & Responsibilities

• Analyzes financial statements and writes credit analyses for routine credit requests.
• Spreads financial statements into financial statement spreading software.
• Assists Financial Statements Specialist 1 and 2 positions when required based on workflow and need to provide guidance to those positions.
• Conducts research for various industries related to customers’ business.
• Gathers information and generates reports regarding exposure in the loan portfolio and reports findings to appropriate committee.
• Utilizes independent judgment to determine how to present facts in an easy-to-understand summary.
• With minimal direct supervision, interprets analyses and forms an opinion concerning credit worthiness.
• Performs all other duties/special projects as assigned.
• Incumbent is required to comply with all applicable federal, state and local banking industry laws and regulations including but not limited to Bank Secrecy Act.

Supervisory Responsibilities

May direct day-to-day work of junior level employees, but not a formal management role.

Minimum Required Education, Experience & Knowledge

• Bachelor's degree required, Business Administration or Finance preferred
• Basic knowledge of financial statements and financial analysis
• Basic knowledge of banking industry
• Experience with various Microsoft Professional Office software.