POSITION SUMMARY:

Contributes to the loan decision-making process and sound portfolio management by providing in-depth credit analysis on new and existing clients for Business Banking Officers and Loan Committees. Monitors loan files for adequate and current financial information and documentation. Understands and completes job responsibilities in accordance with federal and state regulations.

KNOWLEDGE, SKILLS AND ABILITIES:

A 4-year college degree in accounting, finance, business or equivalent experience preferred. Three to seven years of banking experience in business lending, credit analysis or trend analysis required. Must possess courteous and professional customer service attitude; excellent verbal and concise written communication skills; legible handwriting; ability to maintain the integrity of highly confidential client and Bank information. Must possess excellent mathematical skills up to and including projection analysis; strong computer skills, technical ability to input and retrieve computerized information; strong organization and follow-up skills. Must possess ability to deal effectively with aggressive time pressures and stress that can change hourly depending on level of client activity. Must possess effective problem solving and technical research skills. Must be a self-starter and independent thinker.

ADDITIONAL DUTIES & RESPONSIBILITIES 5%

• Backs-up the Credit Officer in the preparation of various monthly and quarterly reports
• Assists the Credit Officer in preparation of business banking audits
• Serves as back-up Secretary to the Officer Loan Committee
• Serves as back-up Secretary to the Board Loan Committee
• Serves on bank committees as needed
• Participates in internal and external training and development opportunities as required
• Other job related duties necessary to carry out the responsibilities of the position
  Requirements: