Credit Officer

Job Description

Essential Functions

Analyze financial statements, tax returns with emphasis on cashflow, profitability and liquidity

Review property appraisals, environmental reports and evaluate suitability as loan collaterals

Assessment preparations, interpret financial ratios and significance of various financial ratios

Discuss and meet with front office staff on prospective customers, visit collateral properties

Prepare department reports, order appraisals, review loan documents, approve GCMS transactions and other responsibilities as required.

Competencies

In order to perform the job successfully, an individual should demonstrate the following competencies :

Knowledge of international trade finance functions, documents and procedures

Working knowledge of accounting principal, property appraisals and environmental reports

Basic banking practice and bank procedures, UCC and loan agreements

Proficiency in Excel, Word, Power Point office software

Business writing, local rent control ordinances, Alice Act desired

Ability to perform services in person from a Bank office or Branch to, among other things, access the Bank's computer systems and engage in an interactive environment with co-workers

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