Credit Analyst

We are currently seeking a Credit Analyst to join our team. Responsibilities They will be responsible for all aspects of commercial financial analysis and some light portfolio management duties.

Job description outlined below:

• Conduct analysis of business financial statements, personal financial statements, individual and company tax returns and cash flows o Enter, update, and at times retrieve applicant financial information o Determine Financial Ratios o Perform cash flow analysis of business and determine risks and mitigates for risk o Evaluate credit worthiness of applicants o Ensure Compliance with Lending Protocols • Support five commercial lenders by providing financial analysis, assisting with credit presentations, portfolio maintenance/monitoring, and customer interactions • Adhere to all company and regulatory credit guidelines and policies • Make sales referrals, suggest alternate channels, and cross sell products and services • Assist (as a backup) with applicable product implementation, monitoring, and maintenance when necessary • Assist underwriting manager with additional items as necessary Qualifications • Bachelor's degree or equivalent experience in commercial lending • Excellent verbal and written communication skills • Excellent attention to detail • Proficiency in Microsoft Excel • Familiarity with Microsoft Office Products Preferred Qualifications Minimum of Five Years Banking Experience Other Duties as

Needed :

• Appraisal/ Environmental/ Other collateral valuation Reviews
• Physical Property Inspection(s) on local collateral properties
• Responding to Inquiries from Credit Officer, Lenders, and other Senior Leadership
• Assist with company audits
• Assist with consumer underwriting on a limited basis Physical Setting This role is in a physical office setting and all candidates must have the ability to work in a normal office/branch environment.

This includes but is not limited to: Ability to sit for long periods of time, lift up to 50 lbs., operate with typical background noise created by being in a customer service office, and some interruptions by other team members. Must have reliable transportation. Please note this job description is not designed to cover or contain a comprehensive listing of all activities, duties and responsibilities of this job. Duties and responsibilities may change at any time or without notice.

Job Type:

Full-time Pay:

$55,000.00 - $75,000.00 per year

Benefits:

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

Physical Setting:

Office Education:

High school or equivalent (Preferred)

Experience:

Microsoft Excel:

2 years (Preferred) Financial analysis: 2 years (Required)

Banking:

5 years (Required)

Work Location:

In person