Credit Analyst

Department: Credit Analytical / Loan Review

Reports to: Credit Analyst Supervisor

Supervises: None

Grade: 5

Summary: Assist the Credit Analyst Supervisor in providing competent credit analysis and loan review for the commercial lending activities of the Bank. Also provides comprehensive reviews for in-house residential mortgage loans made by the Bank.

Essential Job Functions:

• Provides accurate information and sound judgments on the credit worthiness of assigned accounts to aid the Chief Loan Officer, Chief Credit Officer and other loan approvers in approving loans. This entails analyzing and documenting financial data, along with analyzing financial statement ratios, collateral adequacy, future repayment ability, reading credit reports, evaluating customer’s management ability, history, and character.
• Performs loan review for commercial loans after closing, predominately for lending relationships in a range of $25,000 to $750,000 in size. Assigns risk ratings for credit relationship in conformance with the Bank’s 8 grade system.
• Performs periodic analytical review for residential loans after closing. The results of these reviews are submitted to Director’s Loan Review Committee for review.
• At times may assist lending officers and Business Development Officers on customer calls.
• At times presents loan analysis and review findings to the Chief Lending Officer, Chief Credit Officer, Loan Committee and/or the Director’s Loan Committee when required.
• Monitors the current status and problems of assigned accounts and anticipates opportunities and problems which may arise. Brings significant problems to the attention of the Credit Analyst Supervisor.
• Attends Loan Committee and Director’s Loan Committee meetings in order to prepare minutes for each meeting for Board of Directors submission.
• Assists the Credit Analyst Supervisor in the preparation of various reports for management, auditors, bank examiners and the Board of Directors.
• Assists loan officers in determining loan rates to be used for existing and potential customers through the utilization of the Bank’s pricing model software.
• Assists auditors and examiners on an annual basis.
• Attend training as needed related to bank compliance, loan documentation requirements, USPAP rules and regulations, and other pertinent banking courses.
• Performs other related duties and special projects as assigned

Physical Demands and Work Environment

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the essential job functions of this position, the employee is regularly required to sit, stand, talk, hear, walk, use hands and fingers, handle or feel objects, and reach with hands and arms. This position requires regular use of a computer. The employee must be able to travel between branch locations on a regular basis. The noise level in the work environment is usually light to moderate.

• Associate’s degree or higher in accounting, finance, agribusiness or related field.
• Ability to analyze financials and other business related documentation.
• Strong computer skills (Excel, Word).
• Good verbal and written communication skills.