KNOWLEDGE AND SKILLS:

Three years to five years of similar or related experience.
(1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.

INTERPERSONAL SKILLS:

Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

OTHER SKILLS:

1. Knowledge and proficient use of Microsoft computer applications to include Word, Excel, and Access.
2. Effective verbal and written communication skills; ability to maintain confidentiality of information as appropriate.
3. Must be capable of operating all types of office equipment including computer, copy machine, fax, and telephone.

ROLE:

To prepare a clear and concise presentation for discussion and approval by analyzing various financial data provided by the applicant or existing borrower. Specifically, the Credit Analyst looks at source documents provided by the applicant to determine the ability to repay a new or existing debt. The Credit Analyst II will also help prepare department monthly and quarterly reports.

ESSENTIAL FUNCTIONS & RESPONSIBILITIES:

Evaluates loans for credit risk according to predetermined factors, such as geographical location, type, and amount of loan; records data on work sheet, including purpose of loan, balance, and repayment terms; assigns risk rating, indicating borrower’s financial strength and probability of loan repayment.
Assist lenders by analyzing financial data and communicate financial facts, interpretations, and projections verbally and in writing. Reminding lenders of missing financial documentation to complete spreads. Identifies potential problem loans and describes deficiencies.
Written evaluation of information to determine whether the request is within policy, if loan is in compliance with banking regulations, and if required documents have been obtained.
Scans and uploads all bank-wide financial documents for commercial and consumer loan requests with the exception of consumer mortgages. Works with lenders and assistants to retrieve any missing financial data needed for uploading to the bank’s core software.
Performs the initial and ongoing credit analysis to determine if the customers credit request satisfies bank policies and procedure guidelines.
Assists in regulatory, external/internal audit, and interdepartmental needs. Performs other duties as assigned.