Senior Credit Analyst

At CFB, our culture is built   on servant leadership, connection, integrity, and growth. We lead by putting   people first, supporting our employees, serving our communities.   Collaboration and innovation drive us forward, while our deep community roots   remind us that what we do makes a difference beyond the bank.
 
 We invest in the development of our people, celebrate diverse perspectives, and create opportunities to   learn, grow, and lead. When you join CFB, you’re not just building a career, you’re becoming part of a team that is shaping the future of community banking.

Benefits:

• Health, Dental, Vision Insurance
• Bank Paid Life Insurance
• Paid Short-Term & Long-Term Disability
• Generous Matching 401(k) Retirement Plan
• 3 weeks of Paid Time Off (immediate accrual)
• Purchased Paid Time Off
• Access to Earned Wages
• Wellness Program
• Competitive Salary
• Tuition Reimbursement
• Paid Holidays and 3 Float Days
• Maternity/Paternity Paid Leave
• Annual Bonus Eligibility
• Community Service Projects
• CFBU Internal Training & Development Program

Objective: A Senior Credit Analyst is responsible for the research and analysis of business and personal financial information (Financial statements and tax returns) and preparation of written credit summaries while assisting the Credit Manager with managing the pipeline.    
 
Classification: This is a Full-Time exempt position and reports to the Credit Manager. 
 
Job Location(s): Howard or Hamilton County. 
 
Essential Functions: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Prepares spreadsheets as analytical tools.
• Responsible for leading the problem loan tasks.
• Provides oversight with some managerial roles.
• Determines credit worthiness of applicants by making recommendations to Credit Manager and Loan Officers / Loan Committees.
• Assist in training needs for others within the department and bank. 
• Prepares written Credit Summary Reports for new and existing business clients and prepares risk ratings for the relationships reviewed.
• Provides assistance with managing the pipeline.
• Compiles monthly reports for presentation to the Bank’s Board of Directors.   
• Produces quarterly special asset credit recap reports.
• Participates with other customer monitoring, including floor plan checks or collateral audits.  

Other Duties: 
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. 
Competencies

• Strong Written / Verbal Communication Proficiency
• High proficiency in credit underwriting
• Self-starter who works independently
• Attention to detail/Thoroughness
• Problem Solving abilities /Analytical / goal-oriented
• Desire to work in a fast-paced working environment
• Thorough Accounting knowledge, with the focus on interpreting financial statements and tax returns

Education and Experience:

• Bachelor’s degree in Finance, Accounting or related business field.  
• Three-five years of experience in related experience preferred.
• Strong  mathematical and analytical skills.
• Sense  of discretion and willingness to maintain strict confidentiality of pertinent and sensitive information.
• Able  to research and evaluate data to make informed decisions and solve problems.