Credit Analyst

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JOB FUNCTION / SUMMARY

The Credit Analyst supports Credit Analysis in maintaining credit quality by preparing detailed credit analyses, providing support for the underwriting of commercial loan requests, analyzing data for special projects and portfolio reports, providing support to more senior Credit Analysis staff, and maintaining proper response time in support of portfolio and relationship managers.

ESSENTIAL DUTIES & RESPONSIBILITIES

• Analyzes financial statements and writes credit analyses for routine credit requests.
• Spreads financial statements into financial statement spreading software.
• Assists Financial Statements Specialist 1 and 2 positions when required based on workflow and need to provide guidance to those positions.
• Conducts research for various industries related to customers’ business.
• Gathers information and generates reports regarding exposure in the loan portfolio and reports findings to appropriate committee.
• Utilizes independent judgment to determine how to present facts in an easy-to-understand summary.
• With minimal direct supervision, interprets analyses and forms an opinion concerning credit worthiness.
• Performs all other duties/special projects as assigned.
• Incumbent is required to comply with all applicable federal, state and local banking industry laws and regulations including but not limited to Bank Secrecy Act.

SUPERVISORY RESPONSIBILITIES

May direct day-to-day work of junior level employees, but not a formal management role.

MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE

• Bachelor's degree required, Business Administration or Finance preferred
• Basic knowledge of financial statements and financial analysis
• Basic knowledge of banking industry
• Experience with various Microsoft Professional Office software.

ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS

• Ability to travel if required to perform the essential job functions
• Ability to work under stress and meet deadlines
• Ability to operate related equipment to perform the essential job functions
• Ability to read and interpret a document if required to perform the essential job functions
• Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an “undue hardship” then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.

Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.