Credit Analyst

Credit Analyst

Come join a team that is working together to enhance the lives of our colleagues, customers and the community every day!

This position is based on-site in Queenstown, Maryland.

Summary:

This position is primarily responsible for reviewing the credit worthiness of commercial borrowers through financial analysis. In addition, this position will be responsible for assisting in the daily functions of the credit department.

Duties and Responsibilities:

• Analyzes financial and related data to determine creditworthiness of the prospective customers and the merits of the loan request for commercial borrowers and to monitor trends in performance.
• Maintains credit files on-going to ensure that background and historical data, financial statements, tax returns, loan commitments, collateral, correspondence, and other supporting documents are included and current.
• Assists with the maintenance of credit files and status reports on large borrowers.
• Prepares reports regarding the overall quality of the loan portfolio.
• Reviews large borrowing relationships.
• Prepares loan packages for review by Officers Loan Committee and Board Loan Committee.
• Maintains a positive and productive working relationship with all members of management, loan officers and Bank staff.
• Actively engages in necessary communication with both internal and external customers.
• Adheres to Bank policies and procedures required by federal and state statutes, laws and regulatory rules.
• Adheres to Company's Safety and Security Policies and Procedures.
• Adheres to Company's behavioral standards and Core Values, which are Trust, Customer Commitment, Teamwork, Excellence and Performance.
• Performs other duties as assigned by management.

Qualifications (Knowledge, Skills, Abilities, Education and Experience)::

• Associates Degree in Business Management, Finance or Accounting preferred; and/or minimum of two years related experience required.
• Ability to analyze financial reports and statements
• Proficient computer skills including use of Microsoft Office (Word, Excel, & Outlook)
• Excellent verbal and written communication skills.
• Exceptional listening and communication skills.
• Familiarity with related laws and compliance administration.
• Strong organizational, mathematical and problem-solving skills
• Detailed oriented
• Versatility, flexibility, and a willingness to work within constantly changing priorities with enthusiasm.
• Ability to manage priorities and workflow.
• Ability to maintain confidentiality.

Physical Demands and Work Environment:

• Mobility sufficient to perform activities required of position, including travel to branch locations
• Manual dexterity for the functional operation of office equipment, such as computers, calculators, etc.
• Ability to actively engage in necessary communications with both internal and external customers.

Company Benefit Offerings for eligible employees:

• Medical, Dental and Vision insurance offered 1st of the month following 30 days of employment
• Paid Time Off (PTO) starts at 3 weeks per calendar year (prorated for new hires based on start date)
• 12 Paid Holidays (including Birthday)
• 401K retirement plan with up to a 4% Company match and immediate vesting
• Tuition Reimbursement
• Employer paid life insurance
• Employer paid disability insurance
• Voluntary life and disability insurance
• Employee Assistance Program
• Employee Discounts and Perks

Compensation:

• The posted pay range for this position reflects a good faith estimate.
• Actual compensation offered may vary based on factors such as relevant experience, skills, internal equity, tenure, performance and location.

Queenstown Bank is an Equal Opportunity Employer, including protected Veterans and individuals with Disabilities. Queenstown Bank is an E-Verify participant.