Credit Analyst II

Summary 

Ability to apply skills toward effective financial analysis of borrower’s financial statements, cash flow analysis, and analysis of commercial credit. The individual will be able to perform credit analysis of larger commercial credits with the expectation that progress will be made toward more complex credit analysis after fulfilling the minimum job responsibilities. Well-written credit analysis with minimal revisions made by supervisor or department head.

Responsibilities 

• Financial statements spreadsheets.
• Financial analysis of commercial loans (both real estate and commercial and industrial). Commercial credits will be more complex with potential for multiple collateral types, financial statement analysis of multiple guarantors, and industries with limited number of companies.
• Prepare financial analysis on unique commercial property types such as special purpose or commercial businesses with limited market share.
• Strong understanding of accounting treatments typically found in financial statements of larger commercial credits.
• Prepare well-written financial analysis of loans for presentation to loan officers and/or loan committee.
• Complete financial analysis reports that are completed in a quality manner and within service timeline expectations.
• Compliance with the Mutual Charter Agreement between Credit/Underwriting and Commercial/Special Assets Relationship Management as posted on the Bank’s Intranet.
• Effective communicator with lending officers, supervisors, and co-workers to provide for effective follow up on credit reviews.
• Mentor to Credit Analyst I.
• Protect all client and bank information confidentially and follow all company policies.
• Complete monthly training in a timely manner to ensure knowledge of bank regulatory requirements, policies, and procedures.
• Other specified duties as assigned. 

Skills

• Knowledge of employment and labor laws and recruiting best practices.
• Strong attention to detail and ability to complete work accurately
• Ability to organize work
• Strong written and verbal communication skills required
• Proficient Microsoft Office suite of products

Education & Experience

• 3 - 7 years of experience with financial statement analysis, commercial loan review, accounting financial analysis, or similar work experience.
• Undergraduate degree in either the field of accounting, finance, real estate, business administration, or related field, preferred.
• Experience in larger size credits more than $1million.

Physical Requirements 

The work environment is typical of a standard office or retail banking setting. The position is sedentary, involving sitting most of the workday; however, the position will involve moving about the workspace to reach entrances/exits, restrooms, conference rooms, or other areas within the work environment. Reaching may be required involving the ability to move arms in any direction.  Office equipment, such as a computer and telephone, will be used requiring the ability to manipulate a keyboard, mouse, and/or keypad.  The ability to decipher a computer screen or written documents is necessary. The ability to express or exchange ideas; impart information to clients, coworkers, or the public; or to convey detailed or important instructions; is required. The ability to receive and understand detailed information shared through oral or written communication is required.  Position requires lifting and/or the exerting of up to 10 pounds of force.

Compensation & Benefits 

The Credit Analyst II position pays a minimum of $70,000.

Full‐time associates are eligible for our benefits package:

• Medical
• Dental
• Vision
• 401(k) plan
• Company paid life insurance
• Short and Long-term disability insurance
• Company paid vacation, paid leave and holidays 

This position will remain open until a qualified applicant is hired.