Credit Analyst II

Credit Analyst II Fredericksburg, PA 7 DAYS AGO 22550715 Summary Fredericksburg, PA In-Person Competitive Salary 3 Years Experience Bachelor's degree No Commission 40.00 hours per week / Day Shift / Full-Time Description To apply, login to your PA CareerLink account, CLICK ON "Apply Now". Follow Employers' instructions on the following screen to ensure you are properly referred to this job posting. Work for one of the nation's top community banks! Our goal is to support the growth of the communities we serve. First Citizens has a knack for hiring the finest and brightest employees; we understand how fostering their growth builds loyalty and impacts customer service. Our employees are our strongest asset. So, we accommodate families, invest in our employees' future, and recognize hard work.

POSITION TITLE

Credit Analyst II (Full-time with benefits)

DEPARTMENT OR BRANCH LOCATION

Fredericksburg Office

JOB RESPONSIBILITIES

Prepare annual reviews to ensure the bank's credit quality and profitability are met by demonstrating sound credit analysis and loan structure are in compliance with established internal and regulatory policies to contribute to the bank's profit and growth objectives. Prepare commercial loan credit proposals to ensure the bank's credit quality and profitability are met by demonstrating sound credit analysis and loan structure are in compliance with established internal and regulatory policies and procedures while providing excellent customer service in order to contribute to the bank's profit and growth objectives. Further support lenders by completing credit memos and/or periodic inspections for FSA and SBA guaranteed loans. Review commercial and residential real estate appraisals to ensure that they comply with appraisal regulation and interagency guidelines per the following: addresses appraiser independence and qualifications; assesses the accuracy of the 3 methods of evaluation and the appropriateness of the weighting of each method; identifies and resolves any deficiencies in the report; reports any unresolved deficiencies which, in the analyst's opinion, places the bank at risk to a Credit Officer. Calculate and review borrower compliance with loan covenants and report any violations to a Credit Officer. Develop and maintain a personal program for maintaining an adequate level of knowledge in lending, accounting, and other banking matters, and demonstrate personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees in order to ensure an acceptable degree of performance.

JOB SKILLS AND QUALIFICATIONS REQUIRED

Knowledge and understanding of compliance issues and regulations and of the bank's lending policies and procedures. Strong communication and analytical skills. A good working knowledge of accounting, financial statements, and tax returns. Good interpersonal skills and team orientation. Proficient in Microsoft Office Suite and related program software. Proficient with or the ability to quickly learn position-related software. Ability to effectively use general office equipment. Ability to supervise a staff and assist in training Credit Analyst I(s). (preferred) Three to five years of experience as a Credit Analyst. Bachelor's degree (two semesters of accounting preferred) or equivalent educational experience. (preferred) HOURS will average approximately 40 per week. This position is budgeted for 2,080 hours per year.

POSITION AVAILABLE

Immediately

BENEFITS

Comprehensive benefit package to include: Health, dental, and vision benefits 401K w/ company match Paid time off; paid holidays Group and voluntary life insurance and disability insurance Aflac supplemental plans Employee Assistance Program First Citizens Community Bank is committed to equal employment opportunity and does not discriminate on the basis of any legally protected status or characteristic. Protected veterans and individuals with disabilities are encouraged to apply. Additional Details How To Identify Potential Job Scams