Credit Analyst for $55K to $80K/year with full benefits
The Company is dedicated to providing people, businesses, and communities in our markets with high quality products and services with superior customer service. We will provide products and services through secure, user-friendly technology and customer friendly locations. Our relationships are founded in our desire to be responsive to the financial needs of our customers in an atmosphere of personal attention, professionalism, trust, integrity and fairness. The Company prides itself on maintaining personal communications beginning with the Board of Directors.
Education/Training: Bachelor’s degree in Accounting, Finance, or related field of study required; specialized bank lending education/training.
Skill(s): Proficient in English, reading, writing, grammar, and mathematics skills; proficient interpersonal relations and communication skills; proficient organizational skills; proficient financial analysis skills; proficient PC skills including Microsoft Office and ability to learn specific financial software; thorough knowledge of current related regulations.
Experience: A minimum of two (2) years commercial lending experience; a minimum of two (2) years banking experience or related experience; SBA experience preferred, but not required.
Responsible for performing credit analysis to evaluate the creditworthiness of individuals and businesses; coordinating work within the department, as well as with other departments; 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.
Performs credit analysis to evaluate the creditworthiness of individuals and businesses of which the following are illustrative:
Receives application and related financial data on prospective and active borrowing accounts, i.e., financial statements, agency reports, interview and investigation sheets, etc.
Essential Duties (continued)
Generates financial ratios to evaluate customer’s financial status.
Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances.