Credit Analyst

Essential Functions

• Provides all pertinent lending decision making information including financial statement analysis, credit report review, account history, collateral valuation, and industry specific information and comparisons as required by the credit request.
• Interprets financial trends and key financial ratios and prepares standalone and global cash flows.
• Prepares credit approval memorandums including narrative and documentation of financial analysis, and identifies trends, strengths, weaknesses and associated mitigants to support lending decisions.
• Collaborates with Loan Officers to ensure regular pipeline monitoring and efficient decisioning.
• Performs credit maintenance functions such as assisting in clearing exceptions, collecting and tracking financial statements and maintaining credit and loan files.
• Performs annual renewals of lines of credit and conducts regular reviews of commercial relationships, assigning appropriate risk ratings and ensuring compliance with Bank loan policy.
• Performs supplemental cash flow analysis for consumer underwriters, specific to customers that are self-employed.
• Compiles reporting including metrics on delinquency and concentrations, ACL and OREO account reconciliation.
• Tracks lending policy exceptions and participated/purchased loan volume on a quarterly basis.
• Completes reporting to assist in various audits.

Required Education and Experience

• Bachelor's in finance, accounting, or a related field (or equivalent work experience) required.
• Minimum of 1-3 years of credit analyst experience required.
• Knowledge of Lending regulations required.
• Demonstrates professionalism in appearance, punctuality, attitude, and grammar.
• Strong written, verbal and presentation skills.
• Ability to read and interpret financial statements and perform cash flow analysis required.
• Working knowledge of Microsoft Office products.