Credit Analyst

Job Description

Job Description

TITLE : Credit Analyst (Associate Business Client Advisor)

REPORTS TO : Business Client Advisor

FLSA : Non-Exempt

CATEGORY : Full Time

SHIFT : Monday – Friday 8 : 30am – 5 : 30pm

SUMMARY

Credit Analyst will work with one or more assigned Loan Officers on a specific portfolio, providing high level support services in the areas of credit analysis, document preparation, loan accounting and portfolio management. Assumes responsibility and is accountable for adherence to Bank policies and procedures, as well as all applicable state and federal laws and banking regulations.

ESSENTIAL DUTIES

• Performs analysis of credit reports, business and personal tax returns, financial statements, cash flows, and pricing analysis. Independently researches and analyzes borrower company and industry data.
• Discusses pricing and recommends loan structure with loan officer. Presents and offers creative solutions to meet the borrowing needs of our clients.
• Independently prepares complete written analyses of borrowers’ financial condition and presentation materials, demonstrating full understanding of analysis results and identifying areas where clarification is required.
• Assists in the review of loan documents for accuracy, completeness, and adherence to approval conditions.
• Attends client meetings with loan officers. Develops relationship with borrowers establishing themselves as a reliable point of contact when the loan officer is unavailable.
• Work closely with and assist Commercial Loan Support Specialist in gathering all required information to move loan from approval to document preparation, this could include ordering appraisals, gathering and reviewing organizational documents, checking UCC filings, finding and downloading articles of incorporation and OFAC searches, completing beneficial ownership tables and any other duties to support an efficient process.
• Assists in loan closings, ensuring proper execution of all loan documents.
• Proactively notifies customers of upcoming loan maturities, renewals, rate adjustments and other loan events, ensuring receipt of all necessary documentation to complete renewals in a timely manner.
• Obtains and maintains State of Oregon Notary designation.

SECONDARY DUTIES

GENERAL

QUALIFICATIONS AND DEMONSTRATED ABILITIES

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and / or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

PHYSICAL REQUIREMENTS