Credit Analyst

Job Description

Job Description

The Credit Analyst works with our Commercial Lenders and Business Bankers to serve the needs of our commercial clients. This individual will work with our Commercial Lenders to manage existing commercial clients and develop new relationships. A key part of the Commercial Lending Team, the credit analyst helps usher loan requests through the approval process. This position must adhere to all Bank policies, procedures and compliance regulations.

DUTIES

• Analyzing financial reports, business plans, projections, and industry reports to understand customer / prospect credit-worthiness.
• Preparing written narratives describing borrowers' current financial condition and future outlook.
• Assisting lenders with daily credit monitoring tasks and monthly credit review.
• Reviewing covenant compliance for all commercial borrowers.
• Completing annual reviews on borrowing customers and reviewing ACH / ETL limits.
• Reviewing credit proposals for loan committee for accuracy and for continuing education.
• Participating in credit training opportunities.
• Accompanying lenders on customer / prospect visits to improve credit analysis understanding and to learn business development techniques.

Qualifications

Preferred Qualifications

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, gender identity, gender stereo typing, and age.

Independent Bank is an EO / AA Employer M / F / Vets / Disabled