Credit Analyst I

Credit Analyst I

This position is responsible for analysis and monitoring the financial condition and credit worthiness of individuals and businesses applying for credit by using historical financial analysis and cash flow projections.

Major duties and responsibilities include:

• Analyzing all relevant loan data on new, renewal and existing loans
• Preparing thorough and concise memos, spreadsheets, reports, summaries and opinions for Loan Officers
• Managing the bank's exposure to identified risks
• Overseeing and managing financial information files
• Establishing, reviewing and updating new and existing loan files
• Providing technical advice and assistance to Loan Officers
• Performing credit inquiries

Additional duties include:

• Effectively communicating with Loan Officers and Bank Management
• Generating solutions to problems and suggesting alternative solutions
• Contributing to Bank-wide projects
• Creating and maintaining solid working relationships with Loan Officers and other team members
• Adhering to all company policies, core values and procedures

Employee specifications:

• Bachelor's degree in Finance, Accounting or related field
• Minimum of 1-4 years banking industry experience
• Six months experience with credit systems
• Knowledge of accounting sufficient to understand and analyze the relationships between the different financial statements
• Strong financial analytical abilities, with knowledge of financial ratios
• Strong Excel skills
• Good interpersonal, technical, problem solving, and written communication skills
• Demonstrates initiative, judgment/discernment and self motivation to work with minimal supervision
• Demonstrates resourcefulness and concern for quality by understanding systems and processes and suggesting changes when necessary to increase overall efficiency
• Demonstrates dependability through good attendance and adherence to time lines and schedules