Credit Analyst

RESPONSIBILITIES

Responsible for providing analytical services relating to the lending activities of the institution; analyzing financial statements and other relevant data and making recommendations with respect to credit worthiness. Assist with reviewing appraisals.

REQUIRED EDUCATION, TRAINING, ETC. A

Bachelor's degree in Finance, Accounting or other related field, or a high school diploma with a minimum of three (3) years accounting related experience, must possess strong analytical skills, organized work habits and good interpersonal and communication skills. ______________________________________________________________________________ Duties include, but are not limited, to the following: Conduct credit investigations and analyze credit information pertaining to loans; Investigate all available sources of credit and financial information; Analyze financial statements and related material; Prepare presentations for loan committee and/or Board of Directors; Prepare various reports for commercial lenders as needed; Ensure current financial statements are received in a timely manner. Order and review appraisals, and authorize payment; Make recommendations to your supervisor regarding adding and removing appraisers; Assist with gathering relevant financial information from various sources pertaining to a loan request; Make recommendations to supervisor regarding revisions to the Loan Policy; Ensure that the procedure manual for the department is kept current; Make recommendations to supervisor about possible methods to improve the department; Participate in community affairs to increase the bank's visibility and to enhance new business opportunities; Assume additional responsibilities as directed.

PHYSICAL REQUIREMENTS

In addition to conducting business in an office environment, the Credit Analyst must be able to reach, pull, lift and carry.