Credit Analyst I

You + We = Team At First County Bank, You + We = Team YOU - Bring your talent, hunger to learn and desire to grow. WE - Will provide you with the training and experience you need to become a Trusted Advisor to your clients. TEAM - As part of the FCB team, you will share in the satisfaction of working for a respected 170‑year‑old institution with deep community roots and a tradition of giving back. First County Bank - It's where you belong! We are currently looking for a Credit Analyst I to join our Credit Administration team! This individual will assist in underwriting commercial loans including the preparation of financial spreads, credit checks, market trends, financial analysis & other pertinent data necessary to complete commercial loan underwriting. Work Hours: 8:30am - 4:30pm, Monday - Friday. Primary Responsibilities Responsible for timely management of credit process for assigned loans, including post-closing portfolio management. Collaborate with team members from Business Banking and other departments as necessary on all aspects of credit risk administration. Prepare financial analysis to evaluate trends, projections, ratios, cash flows, collateral, and global debt service ability as they relate to loan presentations, credit reviews, and portfolio quality analysis. Highlight strengths & weaknesses of existing borrowers and applicants; Identify & highlight discrepancies and/or problem areas. Contribute to computer input and basic quality control of loan files and department information. Identify & elevate commercial lending compliance issues, including flood zone status, credit report red flags, and other issues as they arise during underwriting. Communicate information to commercial bankers regarding status of commercial loan requests. Assist in the collection of borrower and guarantor financial statements and related preparation of annual reviews & loan covenant calculations for existing relationships. Assist in periodic reporting of Commercial Credit Administration data & related credit-related reports to senior management and the Board of Directors. Assist in file preparation for auditors, loan reviewers, and bank regulators. Collaborate with Business Banking & Credit Administration staff to ensure effective and timely handling of write-ups, loan reviews, audits, and issuance of correspondence for updated financial statement requests. Meet with customers and conduct site visits as needed. Assist with the development & implementation of department loan origination and credit administration platform, workflows, procedures and departmental data storage, presentation & dissemination. Perform other duties as assigned. Requirements / Qualifications Completion of Bachelor's Degree in Business, Finance, or related field or equivalent experience; previous customer service background required. Minimum 6 months experience in commercial underwriting or similar experience required, as well as some knowledge of banking operations. Knowledge of accounting principles & practices, credit terminology, loan documentation familiarity, and basic credit/financial analysis techniques required. Superior organizational & time management skills with demonstrated follow-up abilities. Proficient in Microsoft Office. Superior verbal & written communication skills, as well as good customer service focus required. Knowledge of Abrigo loan origination and credit administration software a plus. Salary commensurate with experience. Wage Range: $65,000 to $80,000 #J-18808-Ljbffr