Credit Analyst

Job Level :Entry Level (less than 2 years) TS Banking Group is seeking to hire a Credit Analyst . TheCredit Analyst is responsible for analyzing the financial data of newand existing loans and preparing credit request displays and reviewsof existing credits. Education and experience preferred includes: Bachelor's degree (B.A.) from four-year college or university in the field of business withthe major area of study in accounting, finance, businessadministration or other closely related discipline. Work experienceand/or college coursework can be substituted for the Bachelor'sdegree. Possess a minimum of one year of professional work experienceas a credit analyst or closely related field. Position location : Hybrid/Company Geographic Footprint Experience and Skills: Experience and Skills: Undertake credit risk assessment and apply credit limits andterms in compliance with credit policy Perform due diligence in support of all credit applications Ensure credit structures adequately mitigate the respectivecredit risks Review customer information for completeness and accuracy, priorto performing credit reviews Prepare credit reports with detailed analysis andrecommendations for management approval Monitor credit exposure and performance of counterparties inorder to facilitate proactive management of risks Analyze new and existing credit files (e.g., enter data intodatabase and/or spreadsheet computer applications; generatereports; collate data from reports; review balance sheet, incomestatement, etc. and calculate ratios in preparing credit review;submit review for lenders’ modification; prepare final commentaryand make decisions regarding assignment of loan rating; sign andarchive credit review with loan file). Create and run queries for Credit Administration staff. Periodically attend joint calls with Market Presidents andlenders with potential and existing clients to help withinterviewing applicants/borrowers and requesting specifiedinformation for loan applications, including: borrower’s operationsize and scope, operation decision makers and individualsinvolved, gathering obligor financial documents, and otherinformation pertinent for proper evaluation of the loan application. May participate in the training of new credit analysis employees. Participate in Loan Board Report compilation. This includes, butis not limited to, new loan reports, reports of concentrations andparticipations, updates on progression of watch list loans, etc. Prepare forms, reports, correspondence, memoranda, etc.; answerthe telephone. Ability to perform all other duties as assigned. Comply with all banking and company regulations, policies, and procedures. Ability to read and interpret documents such as safety rules,operating and maintenance instructions, and procedure manuals.Ability to write routine reports and correspondence. Ability toeffectively present information and respond to questions fromemployees of company and the general public. Must possess goodcommunication skills. Ability to add, subtract, multiply, anddivide in all units of measure, using whole numbers, commonfractions, and decimals. Ability to compute rate, ratio, andpercent and to draw and interpret bar graphs. Ability to operate the following: telephone, personal computer,printer, copy machine, fax machine. Working knowledge of wordprocessing, spreadsheet, and database software programs. AdvancedPC knowledge beneficial. To effectively perform the job, must have reliabletransportation to travel to and from work and other work-relatedevents, meetings, interactions with clients, etc. The physical demands described here are representative of thosethat must be met by an employee to successfully perform theessential functions of this job. Reasonable accommodations may bemade to enable individuals with disabilities to perform theessential functions. While performing the duties of this job, theemployee is regularly required to sit and talk or hear. Theemployee frequently is required to use hands to finger, handle, orfeel and reach with hands and arms. The employee is occasionallyrequired to stand; walk; climb or balance; and stoop, kneel,crouch, or crawl. The employee must occasionally lift and/or moveup to 25 pounds. Specific vision abilities required by this jobinclude close vision, distance vision, color vision, peripheralvision, depth perception, and ability to adjust focus. The workenvironment characteristics described here are representative ofthose an employee encounters while performing the essentialfunctions of this job. Reasonable accommodations may be made toenable individuals with disabilities to perform the essential functions. Position may require the ability to work before or after normalbusiness hours, including weekends and overnight travel, to meetrequired deadlines and attend meetings and/or training programs. Competitive benefits package: Health and dental insurance Life insurance package Generous PTO and holiday package 401K contribution and match Professional development expense allowance Gym membership reimbursement Wellness program EEO Employer/Vet/Disabled TS Banking Group is a covered federal contractor or subcontractor subject to the requirements of the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), as amended, and Section 503 of the Rehabilitation Act of 1973, as amended. As such, TS Banking Group is bound by the terms of VEVRAA and Section 503, and shall not discriminate against individuals with disabilities, and is committed to take affirmative action to employ and advance in employment protected veterans and individuals with disabilities. TS Banking Group maintains an affirmative Action Plan for the purpose of proactively seeking employment and advancement in employment of qualified protected veterans and individuals with disabilities. As an individual interested in employment with TS Banking Group, or as one of TS Banking Group's valued employees, TS Banking Group welcomes the opportunity to make its employees and applicants more aware of the TS Banking Group's obligations and affirmative efforts. Upon request, TS Banking Group will make accessible to you its affirmative Action Plan for protected veterans and individuals with a disability. If you are interested, please submit a written request to Angela Avis during the HR Office's operating hours (9 a.m. to 4 p.m.), and we can schedule a time for you to review the affirmative action plan. (Alternatively, a copy of TS Banking Group's affirmative action plan is available electronically on TS Banking Group's intranet site.) Remote employees not physically located at the facility may access the affirmative action plan through the intranet site, or may request a copy of the affirmative action plan for review and return should no internet access be available. #J-18808-Ljbffr