Credit Analyst

Job description:

• Work with other Credit Analyst, Credit Portfolio Manager, Credit Manager, Credit Officer, and CCO to ensure consistent and accurate credit analysis and loan presentations.

• Complete Financial Statement spreads.

• Prepare analysis of less complex loan requests, reviews and renewals.

• Conduct industry and market analysis.

• Provide support and analysis to the Special Assets Group as needed.

Compliance

• Comply with all applicable regulations and Bank policies regarding employment and employment law.

• Participate in annual compliance and other job-related training.

• Comply with applicable bank regulations, Bank policies and procedures.

• Comply with Bank’s internal privacy and ethics standards.

Relationships and Contacts

Internal: Daily contact with Credit Analysts, CM, CO, Commercial Lenders, CCO, and Loan Administrative Assistants.

External: Occasional contact with borrowers, accountants and loan review.

Education

• BA or BS in Accounting, Finance, Economics, or related field preferred

• Completion of a formal Credit Training program, or the ability to complete one within 12 months of hire, or equivalent experience.

Skills and Competencies

• Excellent communication and interpersonal skills with the ability to interact with all levels of personnel

• Demonstrate professionalism in appearance, punctuality, attitude, and grammar. Maintain a clean, organized work area.

• Demonstrated analytical and quantitative skills, with prior knowledge of financial statements and accounting principles

• An ability to balance priorities and exhibit organizational skills to manage both individual and multiple team priorities

• Must be proficient with MS Office software and be able to quickly master the bank's technology and systems

• Ability to interact effectively with other bank personnel across functional lines.

• Ability to articulate bank strategies and customer service philosophy

• Strong written, verbal and presentation skills

• Excellent decision-making skills

• Ability to multi-task in highly demanding environment

• Efficient, high quality producer, with attention to detail

• Good judgment and analytical skills with the ability to remain focused & work independently

• Must be able to process constructive feedback & remain even tempered

• Ability to drive, with a valid driver’s license, to travel between offices and/or attend sales calls and customer visits.

Working Conditions

Traditional office environment with the ability to work remotely on a hybrid basis; the office maintains five day a week operations (Monday – Friday) with operational hours of 8:00am – 5:00pm. Must be willing to travel to other Bank locations as needed.

Penn community Bank is an equal opportunity employer.