What are the responsibilities and job description for the Senior Credit Analyst position at Paducah Bank?
Position Title: Senior Credit Analyst
Department: Credit Administration
Reports To: Director of Credit Services
General Summary/Purpose
This position works under the direction of the Director of Credit Services and with the lending staff to provide financial and cash flow analysis, conduct collateral analysis, prepare loan approval packages, and assist with construction loan and floor plan management.
Key Duties and Responsibilities
#1 Spread and analyze historical and projected financial statements Percentage of time: 28%
#2 Create loan writeups for relationship managers, loan committee Percentage of time: 45%
and Board presentation, demonstrating an ability to independently
identify key issues related to sources of repayment, loan structure,
business risk, financial performance, collateral, etc. across a
multitude of collateral types and industries
#3 Meet with the relationship managers to discuss questions and Percentage of time: 15%
issues identified while creating spreads and writeups
#4 Assist the relationship managers in addressing financial questions Percentage of time: 1%
during OLC and board presentations
#5 Assist the department manager in training new analysts and serve Percentage of time: 10%
as a resource to other credit analysts on an ongoing basis
#6 Provide backup to the Corporate Secretary and Executive Assistant Percentage of time: 1%
in taking minutes for OLC, board meetings, and DCC meetings
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