Credit Analyst

Job Description
TS Banking Group is seeking to hire a Credit Analyst . The Credit Analyst is responsible for analyzing the financial data of new and existing loans and preparing credit request displays and reviews of existing credits.

Education and experience preferred includes: Bachelor's degree (B. A.) from four-year college or university in the field of business with the major area of study in accounting, finance, business administration or other closely related discipline. Work experience and/or college coursework can be substituted for the Bachelor's degree. Possess a minimum of one year of professional work experience as 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 and terms in compliance with credit policy
• Perform due diligence in support of all credit applications
• Ensure credit structures adequately mitigate the respective credit risks
• Review customer information for completeness and accuracy, prior to performing credit reviews
• Prepare credit reports with detailed analysis and recommendations for management approval
• Monitor credit exposure and performance of counterparties in order to facilitate proactive management of risks
• Analyze new and existing credit files (e.g., enter data into database and/or spreadsheet computer applications; generate reports; collate data from reports; review balance sheet, income statement, etc. and calculate ratios in preparing credit review; submit review for lenders' modification; prepare final commentary and make decisions regarding assignment of loan rating; sign and archive credit review with loan file).
• Create and run queries for Credit Administration staff.
• Periodically attend joint calls with Market Presidents and lenders with potential and existing clients to help with interviewing applicants/borrowers and requesting specified information for loan applications, including: borrower's operation size and scope, operation decision makers and individuals involved, gathering obligor financial documents, and other information 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, but is not limited to, new loan reports, reports of concentrations and participations, updates on progression of watch list loans, etc.
• Prepare forms, reports, correspondence, memoranda, etc.; answer the 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 to effectively present information and respond to questions from employees of company and the general public. Must possess good communication skills. Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
• Ability to operate the following: telephone, personal computer, printer, copy machine, fax machine. Working knowledge of word processing, spreadsheet, and database software programs. Advanced PC knowledge beneficial.
• To effectively perform the job, must have reliable transportation to travel to and from work and other work-related events, meetings, interactions with clients, etc.
• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit and talk or hear. The employee frequently is required to use hands to finger, handle, or feel and reach with hands and arms. The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus. The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Position may require the ability to work before or after normal business hours, including weekends and overnight travel, to meet required deadlines and attend meetings and/or training programs.

#TSBankingGroup

Job Benefits
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
• Tuition reimbursement
• Paid volunteer time off (VTO)
• Wellness program