First Liberty Bank Senior Credit Analyst

at  First Liberty Bank

JOB DESCRIPTION

This position is responsible for analyzing complex companies and industries and presenting findings to Bank Management and/or Board Loan Committee. Functions include: conducting complex credit investigations and analyzing diverse credit information for loan approvals; analyzing/formalizing documentation of loan transactions and/or credit history of customers; preparation of credit memorandums for presentation to lending officers and/or approval committees; performing research/analysis of specific industries or markets. This position reports to the Senior Credit Officer.

DESIRED SKILLS/QUALIFICATIONS

• Ability to understand complex financial statements and tax returns
• Ability to determine global cash flow and comprehend financial condition when presented with multiple entities
• Excellent verbal and written communication skills
• Detail oriented, with strong organizational, planning, and prioritization skills
• Excellent time management skills with a demonstrated ability to multi-task, follow through on commitments, meet deadlines, and drive results
• Proven ability to effectively interact with and forge relationship with employees and customers at all levels of the organization
• Must be a team player and have the willingness to help associates
• Strong customer service skills
• Demonstrated initiative and problem solving skills
• Resourceful, proactive, assertive, energetic; takes initiative and efficient
• Have a curious mind and be inquisitive
• Professional and polished demeanor
• Intermediate Microsoft Office Skills: Outlook, Word, and Excel and other financial analysis programs
• Ability to work well under pressure and within tight time constraints, including the ability to work overtime if required.

REQUIRED SKILLS/QUALIFICATIONS

• At least 5 years experience analyzing commercial credits
• At least 3 years experience writing Credit Memorandums or Loan Proposals, as a loan officer, bank examiner, or credit analyst, etc.
• A degree in finance, accounting, or business
  PHYSICAL REQUIREMENTS & WORKING CONDITIONS: Sitting or standing for long periods of time, walking, finger dexterity, repetitive motions, talking, hearing and visual acuity. Professional office environment. Occasional lifting of storage boxes.

• Review and analyze personal and business financial statements and tax returns to determine financial condition of borrowers and/or guarantors.
• Generate financial spreads, using computer programs, to evaluate customers financial status
• Scrutinize financial data such as income growth, management quality, and market share
• Compile reports regarding finance and credit data
• Compare liquidity, profitability, and credit history of business being evaluated with similar companies to determine risk
• Write narrative summaries of financial data reviewed or compiled for credit memorandums
• Monitor Loan Covenants to ensure compliance
• Monitor and analyze on-going financial information to assess any deterioration in credit
• Other responsibilities and duties as assigned.