Credit Analyst I

JOB SUMMARY: This position is responsible for providing credit analysis for the bank. This position will analyze financial documentation and related information to insure informed credit decisions. Support the Credit Analyst Supervisor and Loan Review Officer in administrative processes to assist in the identification of inherent risk in the bank’s loan portfolio. (This is not a remote position.)ESSENTIAL JOB FUNCTIONS:Analyze financial documentation for new and renewed loans, including financial statements, tax returns, profit and loss statements, and credit bureau reports.Will generally focus on smaller, less complex creditsProvide ratio, trend and cash flow analysis as needed. Prepare borrower analysis reports for Loan Officers and Loan Committees in a timely manner.Work closely with Credit Analyst Supervisor and Lenders to insure informed credit decisions on loan proposals.Work closely with Credit Analyst Supervisor, Loan Review Officer, and Loan Administration to ensure banking regulations, loan policies, and adequate underwriting standards are being followed on credits analyzed.Recognize the characteristics of a problem loan and report to Loan Review Officer.Assist Credit Analyst Supervisor and Loan Review Officer with monthly and quarterly reports as needed.Must be able to meet attendance and punctuality standards.Effectively work and cooperate with lenders, supervisors, and co-workers.Other duties as assigned.MINIMUM QUALIFICATIONS FOR CONSIDERATION:Bachelor’s Degree in Accounting, Finance, Business, Economics or related field is required.1-2 years’ relevant experience preferred.Previous banking experience in credit analysis, loan review, or lending related area is preferred.Proficient computer, 10 key, and typing skills.KNOWLEDGE, SKILLS, AND ABILITIES:Strong proficiency in PC applications including Windows, MS Word, MS Excel. Experience in Jack Henry bank software a plusAbility to maintain a high degree of confidentialityStrong verbal and written communication skillsStrong team building and interpersonal skills: able to work well with a wide range of peopleStrong organizational and time management skillsDemonstrate dependability through good attendance and adherence to timelines and schedulesStrong follow through on projects and deliverablesStrong analytical skillsStrong problem-solving skillsDemonstrate resourcefulness and ability to take initiative in development and completion of projectsStrong sense of customer servicePHYSICAL REQUIREMENTS:This work is sedentary and requires the following physical activities:Sitting for long periods of time; occasional bending, squatting, kneeling, stooping; good finger dexterity and feeling; frequent repetitive motions; talking, hearing, and visual acuityFrequent lifting (up to 25 pounds of paper supplies or minor office equipment).Possible driving to various banking centers, client locations, seminar locations, and other sites as neededWORKING CONDITIONS:Normal office environmentNOTE: The above statements are intended to describe the general nature and level of work performed by an employee in this position. These statements are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of employees in this position. #J-18808-Ljbffr First Bank & Trust Co.