Credit Analyst / Portfolio Manager

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PRIMARY JOB PURPOSE : To analyze and investigate credit information; preparing credit presentations in concert with loan officers for submission to loan committees. Preparing annual reviews on required loans with the compilation and analysis of customer financial information. Will also assist in providing prompt and exceptional personal service to each customer,assisting them in all their banking needs accurately and efficientlywhilepromoting the bank and all of its services.

ESSENTIAL JOB RESPONSIBILITIES

• Enters financial statements and related information to financial spreadsheets software programs for analysis. Have a strong working knowledge of FinPack and Excel software programs.
• Analyzes all financial data related to new and renewal commercial or real estate loan application / requests.
• Assists in the risk analysis for new commercial loan requests by performing a thorough credit analysis in accordance with bank standards and industry guidelines.
• Works with relationship managers prepare summary and credit approval reports documenting credit analysis and supporting information for credit decision recommendations. Prepare credit approval analysis including the credit suitability with bank policy.
• Provide on-going credit management support through quarterly and annual reviews discussing the customer's financial condition and performance. Presents facts and offers opinions concerning client's credit worthiness.
• Assist with Ongoing / Annual review of loans and commitments at the bank for the purposes of assigning objective grades to credits, determining the adequacy of loan documentation, identifying potential or existing credit problems, ensuring conformity with bank policy, preparing a written report for each credit reviewed.
• Works with relationship managers in handling larger more complex loans. May meet with customers to gather financial information.

EXPERIENCE / EDUCATION :

BENEFITS :

First Independent Bank is an EEO / AA employer. All qualified applicants will be considered for employment without regard to race, religion, color, sex, national origin, age, disability veteran status, or any other characteristic protected by local, state or federal law. Member FDIC.