Find & Apply For Credit Analyst / Authorizer Jobs in Louisville, Kentucky

General Summary Under the guidance of the Chief Credit Officer, the Credit Analyst is responsible for the overall underwriting of the Bank's credit portfolio. Responsible for ensuring the proper underwriting and financial analysis of all commercial loans. The Credit Analyst will work with credit officers, commercial relationship managers, and loan officers to ensure that the bank's credit underwriting processes and procedures, and products are in accordance with Eclipse Commercial Credit Policy. The Credit Analyst will draft, recommend, and review credit memorandums and other related credit products for Eclipse Bank. Primary Duties and Responsibilities Overall responsibility for spreading commercial and personal financial statements and income tax returns on bank borrowers. Monitors and controls the Bank's financial spreading software package. Orders and maintains appraisals and business evaluations. Ensure all collateral is properly documented, tracked, and monitored. Analyzes financial data related to new and renewal commercial and consumer loan requests. Presents facts and offers opinions concerning borrower's credit worthiness. Works closely with commercial relationship managers in preparing credit memorandums and credit presentations in accordance with Bank Credit Policy. Ensures financial statements and analysis of credit requests and related information are accurately portrayed to support sound lending decisions. Pulls and reviews credit bureau reports. Aids in the tracking of Credit Policy exceptions. Ensures the Bank's credit underwriting meets Bank policy, procedural, quality and regulatory expectations and requirements. Tracks financial statements and income tax returns on Bank's consumer and commercial customers and updates the Bank's tracking software as needed. Aids in the monitoring of the loan portfolio to ensure credit grades are accurate, timely and updated to reflect changes in the borrower's financial profile. Actively learns, demonstrates, and fosters the Eclipse corporate culture in all actions and words. Takes personal initiative and sets a positive example for others to emulate. Embraces our vision to become the "World's Greatest Service Organization." Complies with all bank regulations for assigned job functions and designated job responsibilities. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, (including those of the Bank Secrecy Act) and completes all annually required, and job-specific training. Additional Responsibilities Aids in the monitoring of the borrower's credit trends. As assigned and with proper separation of duties, reviews each appraisal for commercial and consumer real estate loan customers. As assigned and with proper separation of duties, prepares internal evaluations on an assigned basis. Minimum requirements Minimum of 5 years of commercial lending, commercial underwriting or loan review and 2 years' credit administration experience is desired. Minimum bachelor's degree in Finance, Accounting, Economics, or Business Administration required. Abilities required The ability to be effectively organized in a fluid environment Thorough understanding of financial and cash flow analysis Strong systems and technical knowledge Strong knowledge of lending regulations and requirements Highly analytical and able to synthesize complex or diverse information Ability to build rapport and trust to expand business opportunities Self-directed Disclaimer The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.

Job Type:

Full-time Pay:

$60,000.00 - $70,000.00 per year

Benefits:

401(k) 401(k) matching Dental insurance Flexible spending account Health insurance Life insurance Paid time off Vision insurance

Physical Setting:

Office Experience:

commercial underwriting or loan review: 2 years (Preferred)

Work Location:

In person