Credit Analyst

The Commercial & Savings Bank (CSB) has been an independent community bank for 145 years, with 17 locations across Holmes, Medina, Stark, Tuscarawas, and Wayne counties. CSB is recognized as a top employer in our region as a nine-year winner of the NorthCoast 99 award (www.northcoast99.org), which recognizes the 99 best employers for top talent in Northeast Ohio. T his is a full-time, on-site position at our Operations Center, in Millersburg, OH. In addition to a competitive base wage, CSB offers a wide variety of employee benefits listed below.

Summary:

Analyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals.

Essential Functions:

Essential duties and responsibilities include the following; however, other duties may be assigned. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. Spreading financial statements using Credit Quest/Financial Analyzer program, identifying trend(s), and comparing results to industry averages Analyze credit information and present to loan officers and Credit Officer Assist in grading loans using the Bank's risk rating system Preparing financial analysis of watch list credits and completing quarterly action plans Conduct annual review on aggregate credit relationships in excess of $500K Identify and notate commercial loan policy exceptions Assist in credit analysis training for management trainees, new loan officers, and banking center managers Assist with preparation of cash flow and collateral analysis for commercial loans less than $500K and with aggregate credit relationships less than $500K Serve as the Secretary or back-up Secretary for the Officers' Lending Committee by taking minutes Assist with the Executive and Officer's Lending Committees loan packets preparation and distribution Review commercial appraisals and complete real estate evaluations Assist lenders with SBA applications and entering loans into the SBA's on-line approval system Demonstrates a commitment to CSB's vision, mission, and core values and seeks to align one's behavior in such a way that gives these foundational principles the best chance at becoming a reality.

Education:

A high school diploma or general education degree (GED) is required. A four-year degree in a business-related field is preferred. A minimum of one year of related work experience; or equivalent combination of education and experiecne..

Summary of Employee Benefits:

Competitive base wage Incentive compensation and profit sharing Comprehensive benefits including medical, dental, vision, short- and long-term disability, and group life insurance - (plan and/or benefits eligibility requirements apply) Paid time off for vacation, illness, bereavement, and jury duty 401(k) with an employer match and on-site advisers Employee Assistant Program (EAP) with free access to mental health resources Comprehensive wellness program with financial incentives to promote a healthy lifestyle Training and professional development opportunities to help you reach your long-term goals Paid holidays available immediately upon hire Volunteerism opportunities to give back to our local communities The Commercial & Savings Bank is an Equal Opportunity Employer.