Credit Analyst

Civista Bank

Description : Position Purpose :

Under supervision, the Credit Analyst will conduct credit investigations, prepares and interprets financial statements for detailed spreading, and analyzes routine credit information pertaining to Commercial Loan Requests and Loan Reviews Prepares reports and information for management and Loan Committees; furnishes information in relation to credit inquiries; provides assistance to commercial loan officers as request.

Requirements :

Description of Duties, Responsibilities and Expectations :

• Investigating all available sources of credit and financial information, including reporting services, credit bureaus, other companies, bank references, and in-house credit information.
• Spreading and analyzing financial statements and related material using the appropriate software programs.
• Under supervision, preparing summaries, presenting facts, and offering opinions concerning credit worthiness.
• Summarize conclusions in Loan Presentations and Loan Reviews.
• Conduct analysis of the market (customers) and industry (competition, suppliers, and potential new entrants) and management teams.
• Assist with special projects and reporting assignments in Credit Administration.
• Know and understand Bank / Credit policies and procedures.
• To provide computer support, including data entry, in the maintenance of the loan analysis systems.
• Understand new and pending laws and regulations that affects the organization's credit practices.
• Participate in the ongoing development of commercial credit policies and procedures that safeguard the Bank.
• To provide and maintain reporting requirements on Bank customers' credit obligations.
• Recommend risk grade changes.
• Complete Loan Reviews as directed by Lead Loan Review Analyst or Credit Administration Manager.

Qualifications, Knowledge and Skills :

Physical Requirements :

EOE - Race / Sex / Disability / Veteran

This Position Description is not a complete statement of all duties and responsibilities comprising this position.

Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this position at any time.

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