Description

POSITION SUMMARY:

Position is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists loan officers in writing loan requests; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.

PRIMARY RESPONSIBILITIES:

The following duties are primarily performed and which are essential for this position. Employees are expected to be able to perform each of these job duties satisfactorily and successfully to be qualified for the position.To perform this job successfully, an individual must be able to perform each duty satisfactorily. Other duties may be required and assigned.

• Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
• Gathers data from customers, internal and outside sources; prepares spreadsheets and analyzes financial information including financial statements and tax returns; obtains additional information and clarification of data.
• Compiles data from credit bureaus, conducts industry peer comparisons, and performs cash flow analyses and other such tasks and comparisons.
• Obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans.
• Checks pledged assets.
• Assists with on-going computerization of the loan review function.
• Verifies funds with mortgage companies and contractors.
• Develops knowledge of financial industry, economy, market conditions, rates, vendors and competition.
• May represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business.
• Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
• Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
• Treats people with respect; keeps commitments; Inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
• Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules and regulations; adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position.
• Completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the Bank through outside activities.
• Performs other duties as assigned.

Requirements

EDUCATION AND/OR EXPERIENCE REQUIREMENTS

• Associate’s degree in accounting, finance, or related field.
• One year credit analyst experience.
• Proficient computer skills using Microsoft Word, Microsoft Excel, PowerPoint, and Access.

LICENSES, CERTIFICATES, AND OTHER REQUIREMENTS

• Must successfully pass criminal background check.
• Must successfully pass credit background check.

DESIRED QUALIFICATIONS

• Bachelor’s Degree in accounting, finance, or related field.