Credit Analyst I Position Available In Cumberland, Pennsylvania

Credit Analyst

I 3.3 3.3

out of 5 stars 3045 Market Street, Camp Hill, PA 17011

Description:

General Responsibilities /

Job Summary:

The Credit Analyst I analyzes financial data of commercial borrowers to assess creditworthiness, underwrite loans, and reviews existing loans. The role supports loan structuring to maximize profit and minimize risk, with some independence. It primarily handles simpler relationships but may manage more complex cases as skills grow.

Essential Functions/Duties:

Learn Systems & Policies:

Master the credit policy, core banking system, and loan origination system.

Prepare Financial Analysis:

Create financial spreads, cash flows, and underwriting documents for loans and reviews.

Gather Background Information:

Collect customer data from public agencies, property searches, credit reports, and appraisals.

Workflow Prioritization:

Communicate with the team to prioritize tasks and provide updates.

Risk Assessment:

Identify potential problem loans and recommend risk ratings and loan structures.

Loan Administration Support:

Assist with loan administration and portfolio tasks.

Special Projects:

Contribute to special Credit Department projects.

Committee Support:

Take and distribute minutes for committees like the Problem Asset and Officer’s Loan Committee.

Additional Duties:

Complete other tasks as assigned.

Embrace Corporate Values:

Uphold LINKBANK’s core values in daily work and interactions.

Requirements:

Minimum Qualifications:

Education/Training:

High School Diploma or equivalent, Four (4) year college degree in Finance, Accounting, Business Administration, or Economics.

Knowledge/Skills/Abilities:

Multitasking:

Able to manage multiple priorities with guidance from a supervisor. Attention to

Detail:

Strong focus on detail, problem-solving, and proactive thinking.

Computer Proficiency:

Skilled in MS Word, Excel, and Windows.

Communication Skills:

Strong interpersonal, leadership, and organizational skills.

Lending Knowledge:

Basic understanding of lending procedures, documentation, and regulations.

Compliance:

Ability to work closely with management to ensure adherence to bank policies and procedures. Ability to collaborate with management to ensure compliance with bank policies and procedures.

Experience:

Minimum one (1) year of commercial financial analysis or related experience. 1-3 years of banking experienced preferred.

Travel Requirements:

Ability to travel to all locations in the bank’s footprint as needed.

Physical and Mental Job Requirements:

Visual Acuity:

Requires close vision for data analysis and reading from a computer screen.

Clear Communication:

Must communicate instructions and information clearly and concisely.

Reading and Comprehension:

Ability to read and understand complex schedules and correspondence.

Manual Dexterity:

Proficient in using office equipment and computer terminals.

Mobility and Lifting:

Ability to coordinate departmental activities and list up to 50 pounds if needed.

Writing Skills:

Ability to clearly articulate the credit risk and support rationale for new credit requests, as well as existing credit exposure in the bank portfolio with underwriting memos.

Working Conditions:

This job operates in a professional office environment. This role routinely uses standard office equipment, such as computers, printers/copiers, phones, and postage meters.