Credit Analyst

About the Organization
Jeff Bank has achieved incredible growth and success since its inception in 1913, and it could not have happened without the energy, desire and talent of our employees. We embrace diversity and recognize the importance of creating a team that is committed to the success of our customers, the communities we serve, the Bank and each other.

Our commitment presents many possibilities for career development. Bring your professional image and your passion for providing exceptional service to a dynamic team dedicated to helping create successful businesses, opportunities, financial health and strong, vibrant communities.

We offer a broad range of exciting employment opportunities, with competitive compensation and comprehensive benefits that include:

Health & Welfare Benefits

Paid Time Off

Retirement Savings

Employer Paid Life & Disability Insurance

Flexible Spending Accounts

Tuition Assistance Program

Employee Banking & Loan Discounts

Employee Assistance Program

Continuous Training and Development Opportunities

Position
Credit Analyst

Description


LOCATION - 100% in Office - Jeffersonville, NY

GENERAL RESPONSIBILITIES

Responsible for performing administrative duties to support
the credit analysis function; achieving goals as
established in the assigned department's annual operating
plan; complying with operating policies and procedures
established for the credit analysis function; communicating
with appropriate personnel; responding to inquiries or
requests for information; maintaining appropriate records
and providing assigned reports.

ESSENTIAL DUTIES

1. Demonstrates core values and guiding principles as outlined
in the Bank's Mission, Vision and Value Statements of which
the following are illustrative:

a. Gives exceptional customer service to both internal
and external customers by providing prompt, polite and
effective communication.

b. Participates as a member of the team.

c. Positively and proactively contributes to the Bank's
Strategic Plan.

d. Demonstrates support of Management.

2. Ensures that all activities and work functions adhere to
compliance requirements as are defined in company policies
and procedures as well as state/federal laws and regulations.

3. Performs administrative duties to support the credit analysis
function of which the following are illustrative:

a. Receives data on prospective and active borrowing
accounts, i.e., financial statements, agency reports,
and interview and investigation sheets.

b. Analyzes data and evaluates the short and long run
prospects of the individual or company.

c. May suggest a loan grade after conducting a thorough
credit analysis and documentation review.

d. Provides thorough documentation of all financial analysis
work, including ratios and other related information.

e. Ensures that all credit analysis activities are conducted
in accordance with prescribed lending policy.

4. Achieves goals assigned to the Credit Analyst as part of
the assigned department's annual operating plan.

5. Cooperates with, participates in, and supports the
adherence to all internal policies, procedures, and
practices in support of risk management and overall safety
and soundness and the bank's compliance with all regulatory
requirements, including but not limited to BSA & AML (cash
secured loans, loans paid off too quickly) e.g. Community
Reinvestment Act (CRA), Equal Credit Opportunity Act, etc.

6. Coordinates specific work tasks with other personnel within
the unit or department as well as with other units and
departments in order to insure the smooth and efficient flow
of information.

7. Complies with established operating policies and
procedures in order to maintain adequate controls and to
support the bank's adherence to outside regulatory
requirements.

8. Communicates with management and staff personnel in
order to integrate goals and activities.

9. Responds to inquiries relating to his/her particular
area, or to requests from other bank personnel,
customers, etc., within given time frames and within
established policy.

10. Maintains appropriate records and provides assigned
reports.

Salary Range
$24.08 - $29.80 Hourly

Job Grade - 12

ANCILLARY DUTIES

1. Performs other related duties as assigned or directed.

JOB LOCATION

Main office - Jeffersonville

Equipment/Machines

1. Telephone
2. PC
3. Printer
4. Computer keyboard
5. Typewriter/Word processor
6. Calculator
7. Specialized software applications per assigned
dept., (EasyLender, Excel, T5, Word, Invision)

Position Requirements

Education/Training: A.B.S. or B.A. degree in a related
field of study preferred; specialized financial analysis
training, along with loan origination & servicing training.

Skill(s): Proficient reading, writing, grammar, and
mathematics skills; moderate interpersonal relations and
communicative skills; a thorough knowledge of current
lending and loan review regulations and banking
regulations, procedures, and operations; proficient ability
to analyze and interpret financial statements. Knowledge
of loan documentation.

Experience: 0-2 years in finance or accounting field.

Full-Time/Part-Time
Full-Time

Location
Jeff Branch

Number of Openings
1

Post Internal Days
5

EOE Statement
Affirmative Action Notice
Jeff Bank is proud to be an Affirmative Action Equal Opportunity Employer Minorities/Females/Disabled/Veteran. Our Bank is committed to a policy of equal employment opportunity for applicants and employees. We treat each in a manner free of discrimination regarding race, creed, color, religion, sex, sexual orientation, national origin, age, disability, marital status, veteran status, citizenship, physical and mental disability, criminal record, genetic information, predisposition or carrier status, status with respect to receiving public assistance, domestic violence victim status, a disabled, special, recently separated, active duty wartime, campaign badge, Armed Forces service medal veteran, or any other characteristics protected under applicable law.

Pay Transparency Policy
The Company will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information.


This position is currently accepting applications.