CNB Bank Credit Analyst

Description

Credit Analysts are committed and significantly influential to the commercial lending process, assisting business development officers and members of management to make timely lending decisions that are beneficial to the Bank. In this position, a credit analyst reviews and analyzes business financial documents, personal financials, credit bureaus, debt schedules, collateral values, and industry trends to prepare concise and accurate reports for approval by management. Credit Analysts are also crucial in the review of the existing loan portfolio through annual reviews, covenant checks, and monitoring of asset-based loans.

Below is a list of essential job functions. Additional responsibilities may be assigned in the position.

FOCUSES ON ACCURACY AND ATTENTION TO DETAIL

Attention to detail is vital in this position as accuracy of ratios, percentages, and general math determine accurate lending decisions. Works with business development officers and portfolio admins to acquire all information vital to prepare an accurate analysis of the loan request. 

PROMOTES POSITIVE ATTITUDES AND COLLABORATION

Displays a positive demeanor in managing change, working and communicating with colleagues. Works collaboratively with business development officers, portfolio admins, and other team members in the loan analysis process. Provides timely and crucial communication to all team members involved.

FOSTER OUR CULTURE

Demonstrate excellent communication skills through effective conversations and collaboration. Be the source of outstanding client and employee experiences. Seek opportunities to support volunteerism in the local community’s awareness events, increase the Bank’s outreach, and foster new business.

EMBRACES TECHNOLOGY

Explore efficiencies in technologies to improve processes within the Bank. Adopt advancements in banking technology and internal applications!

SEEK PROFESSIONAL DEVELOPMENT OPPORTUNITIES

Takes advantage of training opportunities to advance knowledge of rules and regulations that impact the commercial lending process. Looks for opportunities to improve processes and procedures. Advancement in this career may include demonstration of superior credit analysis abilities based on established experience, advancement in the complexity of loan requests analyzed, and training new employees. May require some travel. Remote work opportunities are available.

Requirements

QUALIFICATIONS, EDUCATION, AND EXPERIENCE

To perform this job optimally, an individual is required to perform each crucial job requirement satisfactorily and a skills inventory is listed below. Secondary education and three years of experience as a commercial loan underwriter preferred. Successful completion of required background checks is required. Reasonable accommodations may be made to enable individuals with disabilities to demonstrate what is asked.

LANGUAGE SKILLS: Ability to read, comprehend, and interpret documents. Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization. Ability to communicate to clients directly and effectively.

TECHNOLOGY SKILLS: Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use. Prior experience or the ability to learn core transaction system, debit card system, statement processing system, cash advance machines and any other computer programs pertinent to performing job duties.

MATHEMATICAL SKILLS: Ability to add, subtract, multiply, and divide in all units of measure. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.

REASONING ABILITY: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to solve exciting problems involving several variables in a standardized situation. 

PHYSICAL DEMANDS AND WORK ENVIRONMENT: The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. 

This position operates in a professional office environment with considerable time spent at a desk using office equipment such as computers, phones, and printers. Ability to travel on occasion to all market areas and attend seminars or training sessions offsite. 

BENEFITS

BENEFITS

• Medical, Dental, Vision & Life Insurance
• 401K with company match and profit-sharing program
• Paid Time Off & Recognized Holidays
• Leave policies
• Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
• Employee Assistance Program
• Employee Health & Wellness Program
• Special Loan and Deposit Rates
• Gradifi Student Loan Paydown Plan
• Rewards & Recognition Programs and much more!
  
  Eligibility requirements apply.

Equal Opportunity Employer/Affirmative Action : Minority, Female, Veteran, Persons with Disabilities

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