Credit Analyst

Description :

First Resource Bank, a thriving community bank headquartered in Exton PA and recognized as one of the Best Places to Work, is seeking a motivated full-time Credit Analyst

The Credit Analyst is responsible for collecting and analyzing financial data to support commercial lending with occasional involvement in consumer loan underwriting. Key duties include preparing financial spreads and supplemental schedules using web-based tools, Excel, and Word. In conjunction with the Relationship Managers, the Credit Analyst prepares loan approval packages for review and approval by authorized signers including loan committee and the Board of Directors.

Additional responsibilities include preparing loan committee agendas, comprehensive packages, loan minutes and reports; performing credit, OFAC, and business lien searches; and maintaining electronic financial records and ticklers with the Jack Henry enterprise system.

Lastly, the Credit Analyst may accompany the Relationship Managers on customer calls.

Requirements :

Review and Analyze Financial Information

• Review and ensure completeness of financial information on new and existing customers, including personal and business tax returns, financial statements and other supporting documentation as appropriate in coordination with the Relationship Managers.
• Spread business and personal financial information in the web-based financial software and produce spreads of such information to be included in loan write-ups and for file updates. The web-based financial statement spreads shall be supplemented by other schedules, spreadsheets, etc. as needed to clearly present the financial condition, operating results and cash flow of the customer. Such information is to be discussed with the Relationship Manager to identify strengths, weaknesses, risks and trends of the company.

Prepare Loan Approval Packages :

Credit / Loan Administratio n :

Competencies :

Supervisory Responsibilities :

Education and Experience :

Physical Requirements :

First Resource Bank is an Equal Opportunity Employer

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