Commercial Credit Analyst

First Financial Bank

Job Description

Job Title

Commercial Credit Analyst

Status

Exempt

Reports To

Regional Commercial Credit Manager

Summary

Evaluates the financial condition of individuals and businesses applying for commercial credit. Makes credit recommendations to the Commercial Lender. Prepares loan presentation packages as required. Participates in Board presentations as required.

Typical Job Entry Requirements

(To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.)

Bachelor's Degree in Finance or Accounting required. Strong analytical abilities.

Primary Activities

(Essential duties and responsibilities include the following. Other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)

* Spread and analyze business tax returns, business financial statements, personal tax returns, personal financial statements for new and existing credits.
* Perform collateral analysis, calculate company and personal cash flows.
* Makes preliminary recommendation to loan officer.
* Prepares spreadsheet, reports, summaries and opinions for financial officers on new, renewal, and existing loans.
* Prepares presentation package for Loan Committee.
* Assures all basic underwriting guidelines are met.
* Oversees and manages financial information files to assure current reports, statements, accounts receivable and other information on customer accounts.
* Performs credit inquiries for the financial institution as requested.
* Establishes, reviews and updates new and existing loan files for the financial institution on a regular basis.
* Provides technical advice and assistance to loan officers throughout the holding company as needed.
* Maintains expertise in new and current analysis procedures.
* Maintains expertise in new and changing underwriting guidelines and industry regulations.
* Adheres to Bank credit standards and works constructively with and abides by credit department guidelines.
* Assists in the production of any required BOD reports.
* Maintains appropriate compliance tracking as required.

Competency/Skill Level

(The behaviors, knowledge, and motivations important to success in the job.)

* Written and Oral Communication skills
* Advanced knowledge of Excel and Word
* Analytical Ability
* Initiative
* Customer Service Orientation
* Problem Assessment and Solving skills
* Teamwork
* Tolerance for Stress
* Practical Learning skills

Key Behaviors

* Provides Proper Telephone Etiquette to Internal/External Customers
* Services Internal/External Customer Requests/Inquiries
* Reviews Required Documentation for Accuracy and Completeness
* Personal Development as Established with Manager

Bank Secrecy Act

* Maintain sufficient knowledge and understanding of the Bank Secrecy Act, Anti-Money Laundering/Anti-Terrorist Financing/PATRIOT Act and OFAC regulations
* To be able to fulfill applicable requirements and responsibilities under the bank's related policies and programs.

Critical Job Elements

(Essential duties and responsibilities include the following. Other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)

* Generally good working environment with little exposure to noise, extreme temperatures or other adverse factors.
* Limited physical effort required.
* Above average amount of pressure to work efficiently and accurately.
* Considerable effort and eye strain from continued checking on the accuracy of all work leaving department.
* Above average mental effort consisting of beyond normal levels of concentration, memory, complexity of decision making, time pressure, analytical thinking.