Credit Analyst II

We are looking for a skilled analyst to join our Business Banking team! Consider applying if you have experience in business lending, credit analysis, or trend analysis. As a Credit Analyst II, you will focus on the moderate to complex credit levels. This is a highly focused, back-office position where much of your work will be done independently.

Position Summary

Contributes to the loan decision-making process and sound portfolio management by providing in-depth credit analysis on new and existing clients for Business Banking Officers and Loan Committees. Monitors loan files for adequate and current financial information and documentation. Understands and completes job responsibilities in accordance with federal and state regulations.

Essential Functions

Credit Underwriting 80%

• Completes loan requests and reviews, focusing on moderate to complex credit levels
• Inputs information into financial spreading software and trend recognition
• Analyzes business and personal financial information, tax returns, and credit bureaus. Use this information to create cash flow analysis, trend ratios and collateral analysis to determine the overall risk to the Bank
• Identifies, requests, and tracks information needed to complete the credit analysis
• Identifies and reports areas of concern
• Ensures compliance with federal, state, and bank regulations
• Reviews loan file for proper documentation

Real Estate Evaluation 15%

Additional Duties & Responsibilities 5%

Requirements

Work Relationships and Scope

Works periodically with clients and works regularly with co-workers. Works regularly with highly confidential business and client information. Regularly participates in bank events. Provides basic training and mentorship to Credit Analyst Level I and other business banking functions.

Performance Dimensions

Quality, accuracy, reliability, thoroughness and timeliness of work performed and services provided to clients and co-workers; strong attention to detail; highly organized; ability to take initiative; keeps Bank and client information confidential; demonstrates friendly and helpful approach and attitude toward internal and external clients. Effectively communicates and develops good working relationships with all co-workers and clients; professional workplace appearance and conduct; honesty and integrity in all client and co-worker communications; reliability in reporting to work regularly and on time; understands Bank loan policies and procedures and applicable state and federal regulations. Remains current in field and utilizes that information where practical; participates in training and appropriate professional development. Demonstrates professionalism, commitment to the job, and loyalty to the Bank.

Knowledge, Skills And Abilities

A 4-year college degree in accounting, finance, business or equivalent experience preferred. Three to seven years of banking experience in business lending, credit analysis or trend analysis required. Must possess courteous and professional customer service attitude; excellent verbal and concise written communication skills; legible handwriting; ability to maintain the integrity of highly confidential client and Bank information. Must possess excellent mathematical skills up to and including projection analysis; strong computer skills, technical ability to input and retrieve computerized information; strong organization and follow-up skills. Must possess ability to deal effectively with aggressive time pressures and stress that can change hourly depending on level of client activity. Must possess effective problem solving and technical research skills. Must be a self-starter and independent thinker.

Working Conditions

Work is performed largely in an office environment with minimal chance for personal injury. Occasional out-of-town and overnight business travel (air or auto) is required for business and education. Regular mental and visual concentration for computer usage required. Regular use of telephone; frequent repetitive use of keyboard for approximately 6 hours per day. Requires ability to receive and provide detailed information through verbal communication. Requires near and mid-range vision. Will alternate sitting, standing, and walking throughout work shift. Bend, turn, lift, and carry up to 10 pounds of documents and office supplies. Climb stairs. Hours of work are generally during regular business hours. There will be some variation in work hours due to special projects, deadlines, community events, and other concerns.

Equipment Used

Operates personal computer in a Windows environment for word processing, spreadsheets, e-mail, internet, and other bank specific software. Operates Silverlake, core banking system, and Sageworks spreading software. Utilizes a variety of office equipment including computer printer, ten-key calculator, fax, copy machine, and multi-line telephone.

EEO / AA Employer / Vets / Disability

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