Credit Analyst

Credit Analysis SupportResponsible for supporting the credit analysis function through financial analysis, administrative support, documentation, reporting, and compliance activities. Assists in evaluating credit risk, preparing analysis for lending decisions, coordinating work within the department, maintaining records, and ensuring adherence to bank policies and regulatory requirements.QualificationsEducationBachelor's degree (B.S. or B.A.) in a related field preferred.Specialized financial analysis training preferred.ExperienceNo prior experience required.Knowledge, Skills, and AbilitiesStrong reading, writing, grammar, and mathematical skills.Effective interpersonal and communication skills.Knowledge of lending practices, loan review regulations, banking regulations, procedures, and operations.Ability to analyze and interpret financial statements.Moderate proficiency with personal computer applications.Visual and auditory abilities sufficient to perform job duties.Essential Duties and ResponsibilitiesCredit AnalysisPerform credit risk analysis on prospective borrowers, typically involving non-complex credits.Receive and review borrower documentation, including:Tax returnsFinancial statementsCredit reportsAgency reportsInterview and investigation documentationAnalyze financial information and evaluate both short-term and long-term prospects of individuals and businesses.Contact customers or their accountants, when necessary, to clarify financial information.Prepare recommendations regarding loan approval or denial when assigned to a lending function.Assist in determining appropriate loan grades based on credit analysis and documentation review.Document all financial analysis activities, including:Financial ratiosCash flow analysisCollateral analysisSupporting financial informationEnsure all credit analysis activities comply with established lending policies.Operational SupportPerform administrative duties supporting the credit analysis function.Achieve individual goals established through the department's annual operating plan.Coordinate work activities with personnel within the department and across other departments.Maintain accurate records and prepare assigned reports.Respond to inquiries and requests for information from bank personnel and customers in accordance with established timelines and policies.Communicate effectively with management and staff to support departmental objectives and activities.Compliance and Risk ManagementComply with all established operating policies, procedures, and internal controls.Support the Bank's risk management, safety, and soundness initiatives.Adhere to all applicable regulatory requirements, including but not limited to:Community Reinvestment Act (CRA)Bank Secrecy Act (BSA)Equal Credit Opportunity Act (ECOA)Promote and support a workplace free from harassment and unlawful discrimination.Cooperate with internal policies, procedures, and practices designed to ensure regulatory compliance and operational effectiveness.Ancillary DutiesPerform additional duties and responsibilities that support the position's essential functions. Such duties may be modified, reassigned, or redesigned based on business needs and individual circumstances.Equipment UsedPersonal Computer (PC)PrinterTelephoneFax MachineCopy MachineCalculatorDisclaimerNothing in this job description restricts management's right to assign or reassign duties and responsibilities at any time