Credit Analyst

Apply Credit Analyst Minerva, OH Apply Description

JOB SUMMARY

The Credit Analyst, reporting to the Credit Department Manager, is responsible for conducts analysis of commercial loans and /or loan relationships as determined by the Chief Credit Offer, Credit Department Manager and Executive Management. Determines the borrower's ability to repay all obligations by conducting analysis of financial information and determine the adequacy of available collateral and recommend possible loan structure to ensure that the bank limits its risk to a reasonable level.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Analyze proposed and existing commercial credit relationships as determined by senior management
• Determine if we have sufficient financial information to make an informed credit decision
• Conduct detailed financial analysis on loans to determine if the borrower has the ability to repay the obligation
• Determine if the borrower has the ability to repay all commercial and personal obligations
• Review proposed or existing collateral to determine if the bank is adequately secured
• Communicate with Originating Lender on the details of proposed and existing credits
• Recommend structure and terms based on the financial and collateral analysis
• Ensure that proposed credits are within bank policy unless approved otherwise
• Recommend a Risk Rating to Originating Lender and/or Loan Review
• Communicate with Loan Review and Chief Credit Officer (CCO) on any issues of concern on individual credits Requirements
• Business related degree or equivalent/significant loan and/or audit experience preferred
• Minimum of 2 years lending or analysis experience
• SBA or Ag experience a plus
• Demonstrated experience with business and technical analysis
• Intermediate knowledge of Sageworks (or similar software) and Microsoft Office Suite including, Outlook, Word and Excel
• Able to exercise appropriate independent judgment and act on it.
• Proven analytical, mathematical, and problem-solving skills
• Effective written and verbal communication skill.
• Able to work logically and efficiently, with strong attention to detail
• Proven ability to effectively prioritize and execute tasks while under pressure
• Established customer service skills
• Experience working in a team-oriented, collaborative environment.
• Valid driver's license with insurable driving record Apply View All Jobs