Credit Analyst II

The Credit Analyst II advises the Commercial Loan Officers of information necessary to analyze commercial loan requests. Analyze loan applicant’s financial status, credit and property evaluation to determine feasibility of granting loans. Prepares credit memos for approval for the appropriate lending committees.  Evaluates borrower’s and guarantor’s cash flow and financial positions, in addition to analyzing the value of collateral.  Credit Analyst II will have at least 2 years of direct experience and should be able to read and understand tax returns, financial statements, credit reports, rent rolls, and other pertinent financial information.

STATEMENT OF EXPECTATIONS

Chickasaw Community Bank (CCB) expects all employees to comply with the responsibilities of their assigned position to the highest degree of performance.  Expectations include but are not limited to:

• Adhere to the bank’s policies and support management decisions and goals in a positive, professional manner
• Represent CCB with a high level of integrity and professionalism
• Maintain knowledge and understanding of banking rules, regulations, laws, and all policies and procedures
• Knowledge of applicable bank software, programs, and procedures
• Demonstrate a willingness to adapt to changing business needs and deadlines
• Possess a work ethic that includes neatness and punctuality
• Exhibit a professional, business-like appearance, and demeanor
• Answer all voicemails and emails within 24 hours of receipt
• Confer with management concerning questions, procedures, necessary information, forms completion, and problem resolutions
• Complete and attend all required CCB training
• Maintain satisfactory attendance
• Follow established policies, systems and controls to ensure compliance with regulatory laws, guidance and internal policies

ESSENTIAL FUNCTIONS

• Analyze all relevant loan data on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions, and CCB files.
• Provide ratio, trend and cash flow analysis as needed.
• Provide additional, objective analyses on collateral.
• Prepare Credit Memos for Loan Officers and Loan Committees in a timely manner.
• Provide annual review of all loan relationships in excess of $1,000,000 in addition to criticized assets.
• Prepare thorough and concise memos, spread sheets, reports, summaries and opinions for Loan Officers on new, renewal and existing loans within established deadlines.
• Effectively manages the banks’ exposure to identified risks and recommends appropriate structure for transaction in accordance with the banks credit policy.
• Oversee and manages financial information files to assure current reports, statements, accounts receivable and other information on customer accounts, and notifies Loan Officers of any potential problems in a timely manner.
• Establish reviews and updates new and existing loan files for the Bank on a regular basis.
• Provide technical advice and assistance to Loan Officers.
• Perform credit inquiries.
• Assist with monthly and quarterly reports as needed.

ADDITIONAL RESPONSIBILITIES

• Perform other duties as assigned by bank management.

ENVIRONMENT AND INTERACTION

Normal office environment.

• Reports To: Chief Credit Officer

PROFICIENCIES

• Good written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person and over the phone.
• Basic word processing and computer database skills.
• Ability to learn and navigate computer systems and websites necessary to complete job description and other duties as assigned.
• Effective interpersonal skills with the ability to work with individuals and groups at all organization levels; ability to work independently and as part of a team.
• Ability to take initiative and prioritize tasks; good time-management, organizational, problem-prevention and problem-solving skills.
• Knowledge and understanding of banking rules, regulations, laws and all policies and procedures pertaining to them including but not limited to the Bank Secrecy Act.
• Ability to work accurately with close attention to detail.
• Ability to maintain confidentiality of sensitive information.
• Ability to study and apply new information.
• Ability to learn products, services and procedures quickly and accurately; explain concepts clearly to customers.
• Ability to establish credibility and rapport, be friendly and personable and look for ways to benefit the customer.
• Excellent customer contact skills; comfortable asking questions/interviewing customers about their financial situation; strong listening skills.
• Understand how to present features and benefits of products and services to customer’s needs.
• Must be self-motivated, assertive, and perform well in a team environment.
• Must be organized and maintain a positive demeanor in all situations.

EDUCATION AND EXPERIENCE

• Bachelor’s degree, preferrable in Finance or Accounting, or equivalent work experience.
• Must understand personal and business financial documents.
• Minimum 3 years’ experience in Commercial Credit Analysis.
• Proficiency in Microsoft Office products required.