Credit Analyst jobs in the United States

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Credit Analyst
  • Credit Analyst
  • Canfield, OH FULL_TIME
  • To use all information in creating a clear picture of the customer’s financial position. This is vital to the Lenders; it allows them to make well informed decisions before entering into a lending relationship with the customer.

    ESSENTIAL DUTIES and RESPONSIBILITIES include, but are not limited to the following:

    • Compose analysis based on historic, projected, and stressed financial information. This analysis will clearly illustrate the customer’s ability to re-pay the requested amount, and is accomplished by creating cash flow statements for each participant and writing an analysis of their performance over the past three (3) years.
    • Project the customer’s performance for the next year by using customer prepared projections, analyst prepared projections, or a combination thereof.
    • Effectively communicate with the lenders to clearly understand all factors contributing to the loan request.
    • Generate questions to the lender for the purpose of completing the credit presentation, accuracy of cash flow, and to resolve any other discrepancies in the underwriting.
    • Translate and interpret financial data from tax returns, compilations, reviews, and audited statements; personal statements; and other financial statements to create spreads utilizing WebEquity software.
    • Access Kroll Factual Data to obtain and analyze Tri-Merge Credit Bureau reports on individual participants in the request
    • Utilize web sources, such as the Ohio Secretary of State or the Mahoning County Auditor to retrieve other necessary information
    • Access Fiserv/Viewpoint to research the customer’s complete deposit and loan relationship with the Bank
    • Recognize the level of analysis that is appropriate for the request
    • Retrieve industry information through First Research and demographic information through SNL financial via the Internet.
    • Perform reviews for Special Assets’ commercial relationships
    • Establish/organize all loan information in credit file
    • Attend meetings with lenders and clients as needed
    • Accurately risk grade borrowers, co-borrowers, and guarantors
    • Ensure proper aggregate exposure and coding of credit facilities, both new and existing
    • Review appraisals and environmental reports to ensure accurate collateral analysis
    • Understand various business entities structures and required documents needed for verification
    • Understand and apply credit policies and procedures
    • Attend and participate in weekly staff meetings and training
    • Special projects assigned by Commercial Credit Manager as needed
    • Complete all mandatory and elective training, including BSA (Bank Secrecy Act) and Anti-Money Laundering procedures. Maintain compliance with all appropriate rules and regulations
    • Regular, predictable attendance is an essential requirement of this position

    EDUCATION and/or EXPERIENCE:

    • Bachelor’s degree (BA) in Accounting or Finance from four (4) year college or university
    • Minimum of one (1) year commercial credit analyst experience
    • Strong background in working with financial statement and advanced understanding of the information available on financial statement and how they related to the customer’s business operations and ability to repay loan.
    • Knowledge of Word, Excel, and Outlook and Internet navigation/research is expected
    • Ability to clearly and effectively communicate both verbally and in writing

    Farmers National Banc Corp. is an Equal Opportunity Employer: disability/veteran

    Education

    Required
    • Bachelors or better in Finance or related field

    Skills

    Required
    • Microsoft Excel
    • Credit Analysis
    Preferred
    • Risk Management
    • Commercial Lending

    Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

    The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

  • Just Posted

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Credit Analyst
  • Horizon Farm Credit
  • Mount Joy, PA FULL_TIME
  • Are you looking for a new opportunity that offers career development/training, ability to work in a collaborative team environment, and provides great work/life balance? Qualified candidate may work i...
  • 8 Days Ago

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Credit Analyst
  • Desco Federal Credit Union
  • Ashland, KY FULL_TIME
  • Job Summary:We are seeking a skilled Credit Analyst to join our team. As a Credit Analyst, you will be responsible for assessing the creditworthiness of individuals and businesses applying for loans o...
  • 12 Days Ago

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Credit Analyst
  • Western Ag Credit
  • North, UT FULL_TIME
  • POSITION: Credit Analyst LOCATION: TBD - Candidate could work from any of the branch locations which are located in Tremonton, Logan, Evanston, Roosevelt, Spanish Fork, Richfield, Cedar City or South ...
  • 2 Days Ago

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Credit Analyst
  • GreenStone Farm Credit Services
  • Bay, MI FULL_TIME
  • Are you an experienced Credit Analyst looking for a dynamic and fulfilling career opportunity in the agriculture lending space? Greenstone Farm Credit Services invites you to be a part of our growing ...
  • 5 Days Ago

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Credit Analyst
  • AgWest Farm Credit
  • Tempe, AZ FULL_TIME
  • AgWest Farm Credit is a member-owned financial cooperative that provides financing and related services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, rural homeowners a...
  • 6 Days Ago

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Mortgage Loan Officer
  • Coldwell Banker Premier
  • Shepherdstown, WV
  • Mortgage Loan Officer Success Mortgage is currently seeking an experienced In house Loan Officer to handle company leads...
  • 4/18/2024 12:00:00 AM

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Mortgage Loan Officer
  • Wsfs Bank
  • Dhs, MD
  • Job Description: Position type: Full-time Schedule: Monday Friday Description: At WSFS Bank, we empower our Associates t...
  • 4/18/2024 12:00:00 AM

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Mortgage Loan Officer
  • Insight Global
  • Frederick, MD
  • Mortgage Loan Officer Location: Frederick, MD or Myrtle Beach, SC Duration: Direct Hire - Permanent Salary Range: $65-70...
  • 4/17/2024 12:00:00 AM

I
Mortgage Loan Officer
  • Insight Global
  • Frederick, MD
  • Mortgage Loan Officer Location: Frederick, MD or Myrtle Beach, SC Duration: Direct Hire - Permanent Salary Range: $65-70...
  • 4/17/2024 12:00:00 AM

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Licensed Mortgage Loan Officer
  • EmpowerHome Mortgage
  • Vienna, VA
  • Are you an experienced Mortgage Loan Broker looking for a new opportunity? We are seeking an experienced and detail-orie...
  • 4/16/2024 12:00:00 AM

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Dealer Relationship Manager (Bilingual Spanish)
  • Credito Real USA Finance LLC
  • Bethesda, MD
  • POSITION SUMMARY We are one of the nation's top automobile loan providers and we are searching for ambitious, highly per...
  • 4/15/2024 12:00:00 AM

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Mortgage Loan Originator
  • Buckingham Mortgage LLC
  • Tysons Corner, VA
  • Job Description Job Description Join 30 years of successful business! Established in 1994, we pride ourselves on being o...
  • 4/14/2024 12:00:00 AM

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Mortgage Loan Officer (Hybrid)
  • Fulton Bank
  • Rockville, MD
  • Value Proposition: Our values define us and our culture inspires us to change lives for the better. Our employees are th...
  • 4/14/2024 12:00:00 AM

Income Estimation for Credit Analyst jobs
$53,697 to $67,357

Career Path for Credit Analyst