Credit Analyst

Job Type Full-time Description Job Title: Credit Analyst I Reports to : Senior Credit Analyst, Y&A Credit Services FLSA Classification : Exempt Job Summary: The Credit Analyst I will be responsible for analyzing credit data and financial statements to determine the degree of risk involved in extending credit. The Credit Analyst will also be responsible for reviewing clients accounts, preparing reports, and consulting client financial institutions on their credit decisioning based on the overall analysis. Supervisory Responsibilities: None Duties/Responsibilities Evaluate creditworthiness of applicants. Maintain records of client accounts. Conduct research on the creditworthiness of potential clients. Monitor client accounts for delinquencies and other irregularities. Provide client service in the office and over the phone. Assist in the development of loan policies and procedures. Competencies Diversity - Demonstrates knowledge of EEO policy; Shows respect and sensitivity for cultural differences; Educates others on the value of diversity; Promotes a harassment-free environment; Builds a diverse workforce.? Ethics - Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values.? Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events.? Business Acumen - Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.? Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments.? Initiative - Volunteers readily; Undertakes self-development activities; Seeks increased responsibilities; Takes independent actions and calculated risks; Looks for and takes advantage of opportunities; Asks for and offers help when needed.? Innovation - Displays original thinking and creativity; Meets challenges with resourcefulness; Generates suggestions for improving work; Develops innovative approaches and ideas; Presents ideas and information in a manner that gets others' attention.? Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things.?? Managing People - Includes staff in planning, decision-making, facilitating and process improvement; Takes responsibility for subordinates' activities; Makes?self available?to staff; Provides regular performance feedback; Develops subordinates' skills and encourages growth; Solicits and applies customer feedback (internal and external); Fosters quality focus in others; Improves processes, products and services.; Continually works to improve supervisory skills.? Motivation - Sets and achieves challenging goals; Demonstrates persistence and overcomes obstacles; Measures self against standard of excellence; Takes calculated risks to accomplish goals.? Oral Communication - Speaks clearly and persuasively in positive or negative situations; Listen and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings.? Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Sets goals and objectives; Organizes or schedules other people and their tasks; Develops realistic action plans.? Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.? Quality Management - Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness.? Strategic Thinking - Develops strategies to achieve organizational goals; Understands organization's strengths & weaknesses; Analyzes market and competition; Identifies external threats and opportunities; Adapts strategy to changing conditions.? Requirements Required Skills/Abilities Excellent verbal and written communication skills. Excellent interpersonal and customer service skills. Excellent organizational skills and attention to detail. Strong analytical and critical thinking skills. Proficient with Microsoft Office Suite or related software. Must be a self-starter and willing to learn. Education and Experience Bachelor's Degree in a related field of study from four-year college or university. 3-5+ years of demonstrated experience in credit analysis is strongly preferred. Experience with non-centralized workforce and hybrid working strongly preferred. Experience in the Financial Industry is a plus. Physical Requirements Occasionally required to stand or walk Continually required to sit and work at a computer Frequently required to talk or hear While performing the duties of this job, the noise level in the work environment is usually quiet The employee must occasionally lift and /or move up to 10 pounds Specific vision abilities required by this job include close vision #J-18808-Ljbffr Talentify