Credit Analyst

Essential Duties And Responsibilities

• Customer Service: Ability to meet the public well and deal effectively with their questions or problems. Knows the Bank's products and services thoroughly. Identifies and cross-sells products suitable to the customer's needs. Handles customer complaints or questions and determines the action to be taken to remedy the situation.
• Security: Maintains neat and orderly work area, ensures confidentiality, understands role in case of disaster or robbery, adheres to bank policies and procedures, and protects client financial privacy.

Duties/Responsibilities

• Due Diligence: Collect and analyze due diligence items including utilizing software to spread and analyze business financial statements, personal financial statements, credit reports, and tax returns. Analyze business, industry, and/or real estate market information. Assess and mitigate risk on Commercial and Industrial (C&I) and Commercial Real Estate (CRE) loans. Prepare comprehensive credit packages on commercial loans that facilitate the credit approval process. Prepare annual reviews of existing commercial loan relationships including covenant testing.
• Client Interaction: Participate in client calls with Relationship Managers. Maintain communication with Relationship Managers and Portfolio Managers during loan underwriting and approval process. Exhibit an understanding of and ensure compliance with loan and regulatory policies. Maintain up-to-date, well-organized documentation and files. Manage the approved appraiser list, track appraisal orders, and review appraisal reports. Update the Bank's loan processing system and clients' folders when financial statements are received. Assist the Senior Credit Officer and Credit Manager as needed.

Qualifications

• Educational Background: Four year college degree, or equivalent banking industry experience, required. Must have 5 years’ experience in performing duties above and/or have obtained certification of risk management skills obtained.
• Knowledge and Skills: Fundamental understanding of financial accounting. Strong analytical and critical thinking skills, with expertise in financial statement analysis and risk assessment. Proficiency in financial analysis software and tools, as well as Microsoft Office Suite, particularly Excel. Excellent written and verbal communication skills to present financial information clearly and concisely. Meticulous attention to detail and elevated level of accuracy in analyzing financial data. Knowledge of credit industry regulations and compliance requirements. Strong work ethics, ability to work independently and as part of a team, adaptability, and the ability to manage multiple priorities in a fast-paced environment. Ability to multi-task under pressure, prioritize assignments, and work in a fast-paced environment. Ability to collaborate with clients and manage challenging situations with professionalism and efficiency. Knowledge of the bank's commercial lending procedures and policies. Ability to adhere to Potomac Core Values: Integrity, Teamwork, Growth, Customer Commitment, Community Focus. Self-Development: pursue additional education or training to remain current, improve knowledge, and diversify skills.