Credit Analyst

Credit Analyst

Credit Analysis goes beyond crunching numbers and utilizing spreadsheets. Credit Analysts create relationships with Loan Officers and management to quickly and efficiently service clients' needs. This is an opportunity to start your career path in banking with the flexibility to steer your career towards lending or more complex credit responsibilities.

Credit Analyst Qualifications:

• Bachelor's degree in finance, accounting, or a related field
• 1+ years experience in a bank as a Credit or Financial Analyst preferred

Credit Analyst Responsibilities:

• Analyze and risk rate credit lines requiring the Loan Committee to review and critique the credit classifications assigned by the Loan Officers. The analysis must be consistent with the findings of the appropriate regulatory agencies.
• Assist the Credit Analyst Manager and/or Senior Credit Review Officer in training new staff and coordinating various activities for the department, including month-end reporting of classified loans, loan limit monitoring, and real estate loan-to-value and other regulatory reporting.
• Review loan files as advances are made to ensure they qualify within the structure, documentation, and credit quality standards of the bank's Loan Policy and Guidelines.
• Present loan files or credit lines not meeting the standards of the bank's Loan Policy and Guidelines to the Credit Analyst Manager with a detailed explanation of the credit exceptions and the recommended action necessary to correct the deficiencies and improve the bank's position.
• In the event of minor technical documentation discrepancies or identified potential credit weakness, communicate directly with the Loan Officer, requesting correction of the discrepancies and recommending alternatives for improving the credit lines. Perform follow-up action as necessary until corrected.
• Attend the bank's Loan Committee meetings where credit lines are presented to the Loan Committee for final approval, recommended action, and classification.
• As required, perform services and projects for affiliate banks including compiling Board reports, coordinating the review of loan files, and testing loan underwriting guidelines.
• Attend loan department and other committee meetings as requested by management to participate in decisions that affect ongoing and future operations of the loan department.
• Act in accordance with FFC policies and procedures as set forth in the employee handbook.
• Adhere to compliance procedures and participate in required compliance training

This opportunity includes an excellent compensation and benefits package. This bank prides itself on retaining employees and has one of the best tenure backgrounds in the area.