Credit Analyst

Description:

This role serves as a key support person related to financial analysis and communication of loan decisions.

Requirements:

QUALIFICATIONS

Minimum of 3 years of banking experience, with knowledge of Sageworks/Abrigo Minimum of 3 years of credit analysis and/or loan review experience within the banking industry Must be proficient in basic software applications such as Microsoft Word, Excel, and Moody's Financial Software. Familiarity with Bank's internal applications is helpful Must be attentive to detail with the ability to gather, correlate, and analyze facts to develop solutions Excellent time management skills. Must possess good verbal and written communication and organization skills Willingness to train and develop with bank and position needs

ESSENTIAL DUTIES AND RESPONSIBILITIES

Responsible for complex credit scenarios Responsible for spreading financial statements based on information provided in the loan package Provide loan decisions and/or credit recommendations based on a review of all underwriting criteria, including loan structure, collateral, interest rate, and fees. Effectively communicate loan decisions to loan originators Identify and review all necessary due diligence items along with negotiating terms and conditions of loan with originator Mentors junior loan underwriters through all stages of the underwriting process Provide the necessary coaching of lending staff to enhance understanding of the borrower. Identify and communicate cross-sell opportunities discovered during the underwriting process Examine files periodically for assurance of credit and collateral documentation, regulatory compliance, and loan policy conformance; review technical exceptions and deficiencies Prepare written analysis on all loans, aggregate lending vs. indebtedness for individual borrowers, complex loans, and weak loans Identify problem loans, make recommendation for assignment of loans to review loan list that is reviewed quarterly with the board; discuss the status of problem loans with the CFO and senior lending officers and make recommendation regarding the future credit information needs; identifies loans meeting non-accrual or charge -off criteria.