Credit Analyst II

Credit Analyst

Administer assistance to lending officers of the bank by furnishing credit analysis and financial information evaluation services. Promote compliance with established credit policies and procedures. Functions at a largely independent level. As needed, provide assistance to Supervisor of Credit Analysis Department in training and coaching of less experienced Credit Analysts.

In support of the Lending Division, prepare accurate, comprehensive, and timely credit analysis as required by policy to support loan production efforts of the Lending Division with appropriate balance of credit risk management and compliance with credit policies. Evaluate financial statements and various credit data to determine and document the degree of risk in lending funds. Complete ratio, trend and cash flow analysis. Carefully analyze all data to produce meaningful, clear, and objective reports.

Ensure that credit files are complete, identify any documentation deficiencies, and work with relationship manager to anticipate, identify and collect documents as needed for timely approvals on new and existing credits. Thoroughly research borrowers, guarantors, and industry data, with focus on addressing any potential credit worthiness concerns.

Contribute to and participate in maintaining a consistent credit culture throughout the organization by promoting compliance with all credit policies and procedures, by providing support to the Lending Division in interpretation of policy and by providing assistance to the loan officers in evaluating appropriate loan structure relating to loan proposals and/or proposed loan modifications.

Assist the Credit Analysis Manager and Supervisor to provide direction, training, guidance and coaching to less experienced Credit Analysts.

Provide spreadsheet preparation services as requested by the Lending Division and provide credit analyses of existing lending exposures in the portfolio, with a goal of assuring annual analysis, in the minimum, of the largest 25 credit exposures of the Bank. Provide ongoing monitoring of financial covenants, including calculations, monitoring updates and communication of compliance status. Complete review of real estate appraisals and evaluations accurately and on time as assigned.

Adhere to project deadlines.

Maintain a good working knowledge of the Bank's products, lending policies and procedures and identify exceptions to policy. Provide technical advice to relationship managers as needed.

Continually keep abreast of related legal, banking, industry, compliance, and market risk related issues.

Enhance and promote AmeriServ Financial Bank through participation in community organizations, activities, and projects.

This position does not supervise employees.

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

The employee is frequently required to: 1) Type or otherwise work with fingers; 2) Talk expressing or exchanging ideas by means of the spoken word. Those activities in which they must convey detailed or important spoke instructions to other workers or client accurately, loudly, or quickly; 3) Hearing – perceiving the nature of sounds at normal speaking levels with/without correction. Ability to receive detailed information through oral communication and make the discriminations in sound. Operating a motor vehicle and the ability to adapt to environmental weather conditions, as seasons change.

Sedentary work may require occasionally lifting of up to 25 pounds and/or move up to 30 pounds. This work involves sitting most of the time with walking, driving and sitting.

Specific vision abilities required by this job include: 1) viewing a computer monitor; 2) extensive reading; 3) driving.

No travel is required, except for possible (training and seminars)

Excellent Communication Skills (written and verbal), Strong Analytical Skills, Computer Skills including Microsoft Office and Internet, Problem Solving Skills, Deadline Driven, Ethical Conduct, Principled Time Management, Composure Under Pressure/Stressful Situations

Bachelor's Degree in accounting, finance, business, or related field with completion of accounting coursework through at least the intermediate level. Minimum of eighteen (18) months of commercial banking experience in the credit analysis department of the bank or equivalent. Demonstrate working knowledge of the bank's credit policy.