Credit Analyst I

This position is responsible for detailed research, financial spreading, extensions, and credit analysis of credit requests in Commercial Credit Underwriting - C&I Regional Department. This position will support the business banking and commercial and industrial lending teams. The incumbent is expected to be willing and able to learn credit analysis, credit rules, regulations, documentation and grow in experience and the ability to exercise independent judgment within established Underwriting Guidelines and Credit Policy. The incumbent will handle transactions with relationship exposure less than $1,000,000 (i.e. short form approvals and smaller relationship exposure under Team Leader Authority).

MAJOR JOB RESPONSIBILITIES

• Prepare loan approvals, annual reviews and conduct and credit analysis for new requests, in addition to modifications and short term extension of existing loans.
• Prepare and spread business financial statements and cash flows, in addition to personal financial statements and cash flow for personal guarantors.
• Conduct third party research, inclusive of industry reports, personal credit reports, real estate analysis with market assessments, etc.
• Support deal structuring activities
• Performs other duties and responsibilities as assigned by management

SUPERVISORY RESPONSIBILITIES

None

SKILLS AND TRAINING

Basic understanding of the financial world.

Good grasp of accounting.

Computer skills including excellent excel skills.

Strong verbal and written communicative and analytical skills.

Ability to prioritize multiple credit requests and complete them on time.

EDUCATION

Bachelor's degree in with a preferred concentration in Finance, Accounting or Economics.

WORK EXPERIENCE

Minimum 1 year experience in banking, finance, or accounting.

LICENSES AND/OR CERTIFICATES

None

WORKING CONDITIONS

Work is mainly performed in a normal office environment. Noise levels usually are moderate.

HAZARDS

The hazards are only those present in a normal office setting.

This job description may not be all-inclusive. Employees are expected to perform other duties as assigned and directed by management. Job descriptions and duties may be modified when deemed appropriate by management.