General Summary
Prepare monthly board reports. Organize documents in preparation for exams and interact with external Auditors to answer questions or carry out other requests. Review loan requests and input into Dynamic Application to prepare for underwriting and assign a credit analyst to each loan. Create covenant ticklers and monitor monthly as needed. Interact frequently with lenders and lender assistants. Perform other projects as needed.
Principal Responsibilities and Duties
- Responsible for staying up to date on and complying with all applicable banking laws and regulations as well as CNB policies and procedures.
- Prepare monthly board reports for presentation to Board of Directors.
- Prepare quarterly stress reports for presentation to Credit Oversight Committee.
- Develop advanced knowledge of lending policies and procedures to accurately review loan requests before inputting into system. Assign each request to a credit analyst.
- Regularly monitor accounts receivable loan covenants and calculate borrowing bases to determine compliance.
- Monitor financial covenants yearly to confirm they are completed and compliant.
- Monitor other covenants as needed.
- Work with lenders, lending assistants, and credit analysts to maintain compliance with loan covenants.
- Ability to manage multiple projects and programs at the same time to complete work.
- Review bank process ensuring compliance with relevant laws and regulations and uphold the written policy.
- Provide essential information for analysis in determining the adequacy of the ACL.
- Maintain regular and punctual attendance and work overtime as needed.
- Work cooperatively and thoughtfully with other departments.
- Performs other duties as required or assigned which are reasonably within the scope of the duties in this job classification.
Skills and Abilities Required
- Strong Microsoft Excel, Word, and Outlook skills as well as the capacity to learn and efficiently utilize various other computer programs including Premier Business Analytics and SageWorks.
- Advanced level of knowledge with regard to lending practices and institutions specific lending guidelines as well as loan documentation and collateral perfection issues.
- Aptitude for objectively and independently evaluating risk in loan portfolios and demonstrating high quality judgment, organization, and prioritization skills.
- Competent in analyzing large amounts of data and thinking independently.
- Excellent written and oral communication skills and capability in handling sensitive and confidential information in a professional manner.
- Sound working knowledge of accounting principles and financial statements.
- Advanced analytical, technical, and statistical skills.
Certifications/Education and Experience
- A minimum of 3 years of combined related experience in a loan review, operations, or credit analysis capacity is required.
Working Conditions
- Busy environment with varied noise and at times of heavy distraction
- Indoor, in an office environment, with a typical 40-hour workweek
- Considerable effort and eyestrain from continuous computer use.
Skills Required
- Minimum of 3 years combined related experience in loan review, operations, or credit analysis.
- Strong Microsoft Excel, Word, and Outlook skills; ability to learn and use Premier Business Analytics and SageWorks.
- Advanced knowledge of lending practices, institution-specific lending guidelines, loan documentation, and collateral perfection.
- Ability to objectively and independently evaluate credit risk in loan portfolios; high-quality judgment and prioritization skills.
- Competence in analyzing large amounts of financial data and independent critical thinking.
- Excellent written and oral communication skills and ability to handle sensitive confidential information professionally.
- Sound working knowledge of accounting principles and financial statements.
- Advanced analytical, technical, and statistical skills.
- Stay up to date on and comply with applicable banking laws, regulations, and company policies and procedures.
- Ability to manage multiple projects and programs simultaneously to completion.
What We Do
Community National Bank, established in 1983, is a locally owned community bank dedicated to the success of its communities. It blends high-tech solutions with personalized care to create a seamless, customer-centric banking experience, combining the latest technology with a human touch to revolutionize how banking services are delivered. The bank strives to exceed client expectations by offering convenience, security, and a personal connection in every interaction.
