POSITION SUMMARY

This position is responsible for underwriting and monitoring credit risk in loan relationships. The duties are to independently analyze financial, operating, and industry information to identify, assess, and mitigate risk in the loan relationship. The Credit Analyst will present analytical findings in a well-written concise, understandable format, inclusive of correct loan policy issues, documentation issues, and other key credit issues as required by bank management. Additional duties include preparing reports to track risk monthly, quarterly, or semi-monthly as needed (e.g. borrowing base, financial covenants, construction inspections, real estate report), as well as spread financial statements to allow more efficient review of loan customers.

DESIRED EDUCATION, TRAINING, AND/OR EXPERIENCE

Education Requirement
· Bachelor’s degree (BA) or equivalent from a four-year college or university or working on degree
o Bachelor’s degree in business, finance, economics, accounting, or other related field to be able to analyze financial statements and to make industry evaluation is preferred
· Individual in this position with accounting or financial industry work experience is preferred

Technical Skills Needed

• General knowledge of lending services and to interpret loan documents;

· General knowledge of commercial lending policies and procedures;

• Proficiency in MS Office (Word, Excel, Outlook, etc.);
• High degree of accuracy and attention to details;
• Must be able to work independently and be a self-starter;
• This individual must demonstrate a history of excellent communication skills;
• Must have a clear, audible speaking voice, ability to read and comprehend handwritten forms, and the ability to hear instructions or requests;

· Advanced math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs;
Mental Effort Needed
· Ability to multi-task, work in a fast paced, changing environment and maintain a commitment to accuracy and timeliness

· Able to solve problems quickly and in a logical manner

• The desire to learn, the ability to work under pressure and to meet deadlines.

· Ability to follow policies, procedures, and written instructions, as well as verbal instructions or direction from supervisor
· Ability to maintain confidentiality
· Ability to get along well with coworkers and to work as part of Frazer Bank’s team, working towards the Bank’s goals set for by its’ Board of Directors
Physical Effort Needed
· Regular, timely attendance during assigned work hours
· Normal physical strength to handle routine office materials and tools
· Normal dexterity of hands and fingers and eye-hand coordination
· Occasional lifting and transporting up to 25 pounds
· Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus
Compliance
Compliance with all banking related laws and regulations applicable to this position, including Anti-Money Laundering (BSA) and OFAC, is a requirement of this position.

MINIMUM QUALIFICATIONS

· Bachelor’s degree (BA) or equivalent from a four-year college or university or working on degree
o Bachelor’s degree in business, finance, economics, accounting, or other related field to be able to analyze financial statements and to make industry evaluation is preferred

· Individual in this position with accounting or financial industry work experience is preferred

• Must have 9 hours of accounting coursework, comparable self-study or other training
• The desire to learn, the ability to work under pressure and to meet deadlines.
• Knowledge of lending services and to interpret loan documents.
• Knowledge of commercial lending policies and procedures.
• Proficiency in MS Office (Word, Excel, Outlook, etc.)
• High degree of accuracy and attention to details.
• Must be able to work independently and be a self-starter
• This individual must demonstrate a history of excellent communication skills.
• Must have a clear, audible speaking voice, ability to read and comprehend handwritten forms, and the ability to hear instructions or requests.

PHYSICAL REQUIREMENTS

This position requires the ability to stand and move about freely. This person must have the ability to lift, handle and carry some storage boxes. Work requires finger dexterity and eye-hand coordination to operate a computer keyboard. Work utilized hearing and speech in order to converse clearly. Individual must be adaptable to different types of work environments.
Job Type: Full-time

Benefits:

• 401(k) matching
• Dental insurance
• Flexible spending account
• Health insurance
• Health savings account
• Vision insurance

Work Location: In perso

This list is meant to be representative, not exhaustive. Some incumbents may not perform all the duties listed or may perform related duties as assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

• Analyze financial, operating, and industry information to identify, assess, and mitigate risk in loan relationships;
• Analyze financial condition of individuals and evaluate the quality and sufficiency of various sources of repayment, collateral, and the appropriateness of credit structures for new loan and renewal requests;
• Present analytical findings in a well-written concise, understandable format, inclusive of correct loan policy issues, documentation issues, and other key credit issues as required by bank management;
• Additional duties include preparing reports to track risk monthly, quarterly, or semi-monthly as needed (e.g. borrowing base, financial covenants, construction inspections, real estate report), as well as spread financial statements to allow more efficient review of commercial customers;
• Investigates, evaluates, and analyzes financial statements related to debtor income, assets, and employment history in order to determine ability to pay;
• Maintain a working knowledge of the bank’s lending policies, procedures, and philosophies toward various types of loans that may include, but are not limited to, consumer, residential, small business loans, commercial real estate loans, and construction loans;
• The credit analyst must be able to solve problems quickly and in a logical manner and should have the ability to learn and efficiently use various types of software;
• Performs other various duties as assigned;