Position Name: Credit Analyst
Supervisor: Executive Vice President, Chief Credit Officer
FLSA Classification: Non-Exempt
Status: Full-Time, onsite in office
Location: Dover Financial Education Center, Dover, OH 44622
Hours: Monday-Friday 8 am – 5 pm
JOB SUMMARY:
First Federal Community Bank’s Loan Team has a stellar reputation. Our team goes above and beyond and delivers custom-tailored solutions that drive customer success and community growth. As a vital member of the Loan Team, you provide necessary data to determine loan eligibility. You work hand in hand with loan officers to ensure all loan requests have the necessary documentation to proceed to closing based on company policy. You independently and critically analyze the credit worthiness of loans based upon financial data provided both for new requests and annual credit reviews.
You embrace opportunities for ongoing professional development. Your attention to detail and accuracy makes you an important member of the First Federal team. Your active participation in organizations and community events demonstrates First Federal’s commitment to Invest in Our Community.
CORE COMPETENCIES:
Teamwork Continual Improvement
Confidentiality Accuracy
Adaptable Financial Analysis
Resourceful Interpersonal Communication
Decision-Making Critical Thinking
SPECIFIC RESPONSIBILITIES:
- Works with commercial lenders to provide necessary data to determine eligibility.
- Analyzes loan data on new, renewal and existing loans,
- Evaluates financial records to evaluate if the borrower is a safe investment.
- Obtains information provided by credit bureaus.
- Draws up a write-up report about the degree of risk.
- Runs financial data and ratios.
- Reviews appraisals
- Assists in preparing Excel spreadsheets, reports, summaries, and opinions for financial institution officers on new, renewal and existing loans.
- Assists in overseeing financial information files to assure current reports, financial statements, accounts receivable and other information on customer accounts.
- 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 as needed.
- Tracks loan exceptions
- Effectively utilizes Learning & Development tools and resources.
- Understands the importance of and follows bank policies and procedures.
- Handles confidential information and documents to ensure customer privacy.
- Demonstrates accuracy, attention to detail, punctuality and preparedness.
- Demonstrates problem-solving skills.
- Adheres to high ethical standards and complies with industry regulations/applicable laws.
- Demonstrates an ability to adapt to changing business needs and deadlines with enthusiasm.
- Models a high level of integrity and professionalism.
- Actively participates in ongoing, personal professional development.
- Actively participates in organizations and community events.
- Performs other various duties as requested.
QUALIFICATIONS:
- Bachelor’s Degree finance or accounting preferred and/or one to two years of experience in a financial institution or loan office setting.
- Strong financial, detail and analytical abilities
- Proficient computer skills
- Strong oral and written communication skills
- Intermediate Microsoft Office skills
WE INVEST IN OUR TEAM:
- Dedicated training department committed to your learning and development.
- On the job training for further skill building
- Medical, Dental, and Vision Insurance*
- Employer Health Savings Account (HSA) Contributions*
- 401k Program with Employer Match and Safe Harbor Contributions*
- Paid holidays
- Paid time off (PTO)
- Paid volunteer time off to support organizations important to you
- Group Life Insurance*
- Group Disability Insurance*
- Birthday recognition
- Milestone anniversary recognition
- Annual wellness fair
- On-site fitness center (at North Dover location)
*Plan and/or benefit eligibility requirements apply
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First Federal Community Bank is an Equal Opportunity Employer