CREDIT ANALYST at CITIZENS BANK OF KENTUCKY INC

Winchester, Kentucky, United States -

Full Time

Start Date

Immediate

Expiry Date

04 Apr, 26

Salary

28.98

Posted On

04 Jan, 26

Experience

0 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Analysis, Financial Analysis, Risk Assessment, Data Compilation, Cash Flow Analysis, Financial Reporting, Communication, Problem Solving, Attention to Detail, Interpersonal Skills, Mathematical Skills, Training, Software Proficiency, Judgment, Planning, Professionalism

Industry

Banking

Description

Job Details Job Location: Winchester, KY 40391 Salary Range: $19.32 - $28.98 Hourly Summary Analyzes credit data to estimate degree of risk involved in extending credit to companies or individuals. Essential Duties and Responsibilities Other duties may be assigned. Utilizes specialized software to compile financial information for analysis of the financial condition of a customer or business entity. Assesses the economic performance of specific companies, industries or financial enterprises. Analyzes prevailing trends in financial services, business practices, and competition. Works with Loan Officer on requests for extension of credit to individuals or business entities. Recommends risk grades for credits. Reviews all pertinent financial information and determines any need for additional information. Reviews cash flow analysis as performed by Loan Officer and prepares reports for lenders. Reviews and monitors credit files. Performs financial statement spreads, projections, personal cash flow analysis, consolidated cash flow analysis, and risk grade documentation on existing portfolio as directed. Monitors and updates credit files relative to financial data requirements and assists in maintaining financial tracking reports. Maintains control over current accounts, watching for any developing problems and keeps lenders informed. Assists with training of interns, management trainees, and other employees, regarding use of financial software and the analysis of financial statements. Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and / or Experiences Associate's degree (A. A.) or equivalent from two-year college or technical school; or two years related experience and/or training; or equivalent combination of education and experience. Bachelor’s Degree in Accounting, Finance, or Business preferred. Language Skills Ability to read and comprehend instructions, correspondence, memos, financial statements and cash flows. Ability to write correspondence. Ability to effectively present information to employees of the organization. Ability to make convincing presentations in support of the data supplied and reviewed. Mathematical Skills Ability to add, subtract, multiply, and divide. Ability to compute rate, ratio, and percent. Reasonability Skills Ability to carry out written or oral instructions. Ability to deal with problems in standardized situations. Other Skills and Abilities Ability to interpret policies and apply knowledge to situations, ability to keyboard, ability to operate an on-line terminal and computer. Physical Demands While performing the duties of this Job, the employee is regularly required to sit. The employee is frequently required to talk or hear. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include ability to adjust focus. Work Environment The noise level in the work environment is usually moderate. Supervisory Responsibilities This position has no supervisory responsibilities. Competencies To perform the job successfully, an individual should demonstrate the following competencies: Analytical Collects and researches data; Uses intuition and experience to complement data. Must have great attention to detail to be able to find obscure facts that are relative to the data supplied. Problem Solving Identifies and resolves problems in a timely manner. Customer Service Responds promptly to customer needs; Responds to requests for service and assistance; Meets commitments. Interpersonal Skills Maintains confidentiality. Good communication and works well with others within the organization and with customers. Able to get along well with a variety of people from various financial circumstances. Written Communication Writes clearly and informatively; Presents numerical data effectively; Able to read and interpret written information. Judgement Supports and explains reasoning for decisions; Includes appropriate people in decision-making process. Planning / Organizing Uses time efficiently. Professionalism Approaches others in a tactful manner; Treats others with respect and consideration regardless of their status or position. Quality Demonstrates accuracy and thoroughness. Quantity Completes work in timely manner. Attendance / Punctuality Is consistently at work and on time. Dependability Follows instructions, responds to management direction; Keeps commitments. Initiative Asks for and offers help when needed. Qualifications

Responsibilities

The Credit Analyst analyzes credit data to assess the risk involved in extending credit to individuals or businesses. They work closely with Loan Officers and prepare financial reports based on their analyses.