Credit Analyst

Job Summary

Required Qualifications

• •Bachelor's degree (B. A.) from four-year college or university in the field of business with the major area of study in accounting, finance, business administration or other closely related discipline
• •Possess a minimum of one year of professional work experience as a credit analyst or closely related field
• •Undertake credit risk assessment and apply credit limits and terms in compliance with credit policy
• •Perform due diligence in support of all credit applications
• •Ensure credit structures adequately mitigate the respective credit risks
• •Review customer information for completeness and accuracy, prior to performing credit reviews
• •Prepare credit reports with detailed analysis and recommendations for management approval
• •Monitor credit exposure and performance of counterparties in order to facilitate proactive management of risks
• •Analyze new and existing credit files (e.g., enter data into database and/or spreadsheet computer applications; generate reports; collate data from reports; review balance sheet, income statement, etc. and calculate ratios in preparing credit review; submit review for lenders' modification; prepare final commentary and make decisions regarding assignment of loan rating; sign and archive credit review with loan file)
• •Create and run queries for Credit Administration staff
• •Periodically attend joint calls with Market Presidents and lenders with potential and existing clients to help with interviewing applicants/borrowers and requesting specified information for loan applications, including: borrower's operation size and scope, operation decision makers and individuals involved, gathering obligor financial documents, and other information pertinent for proper evaluation of the loan application
• •May participate in the training of new credit analysis employees
• •Participate in Loan Board Report compilation. This includes, but is not limited to, new loan reports, reports of concentrations and participations, updates on progression of watch list loans, etc
• •Prepare forms, reports, correspondence, memoranda, etc
• •Answer the telephone
• •Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals
• •Ability to write routine reports and correspondence
• •Ability to effectively present information and respond to questions from employees of company and the general public
• •Must possess good communication skills
• •Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals
• •Ability to compute rate, ratio, and percent and to draw and interpret bar graphs
• •Ability to operate the following: telephone, personal computer, printer, copy machine, fax machine
• •Working knowledge of word processing, spreadsheet, and database software programs
• •Advanced PC knowledge beneficial
• •To effectively perform the job, must have reliable transportation to travel to and from work and other work-related events, meetings, interactions with clients, etc
• •Position may require the ability to work before or after normal business hours, including weekends and overnight travel, to meet required deadlines and attend meetings and/or training programs

Desired Qualifications

• •Education and experience preferred includes: Bachelor's degree (B. A.) from four-year college or university in the field of business with the major area of study in accounting, finance, business administration or other closely related discipline
• •Work experience and/or college coursework can be substituted for the Bachelor's degree
• •Advanced PC knowledge beneficial