Job description
Job Title: Credit Analyst I Effective Date: July 2022
Supervisor: Credit Manager Direct Reports: None
GENERAL RESPONSIBILITIES:
Evaluate, determine, and present the credit risks of commercial and Agricultural borrowers through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service. Assist with management reporting.
ESSENTIAL RESPONSIBILITIES:
- Review all pertinent credit and financial information, including but not limited to, tax returns, financial statements, projections and other credit and financial data sources.
- Develop, prepare and review monthly and quarterly Management and Board reporting relative to Loan Portfolio and Credit Quality.
- Determine the need for more thorough investigation or additional information.
- Analyze financial statements and related materials.
- Prepare summary, present facts, and offers opinions concerning credit-worthiness.
- Gain familiarity with Bank Credit Policy, and other lending practices, to recommend an overall risk rating to the credit requests and loan relationships.
- Assist in monitoring credit policy compliance by verifying adherence to the Commercial/Agricultural Credit Policy and Consumer Lending Policy along with commenting on any risk associated with non-compliance.
- Assist with the annual renewals of credit lines and relationship reviews.
- Develops credit analyses for use by Lenders in the making of lending decisions on new credit approvals and renewals.
- Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
- Assist in developing and monitoring internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable
- * Assist with construction loan tracking.
- * Maintain and monitor system tracking for new and closed loans along with review dates in core system.
- * Prepare and respond to customer credit reference requests.
- * Assist with communication to and from Lenders and customers.
- * Assist Lenders with requesting outstanding financial data to support loan request and relationships
- * Assist with tracking and monitoring Participated loans.
- * Complete review/audit of Collateral codes for all new loans entered in core system.
- Complete other related duties as assigned.
ADDITIONAL RESPONSIBILITIES:
- Customer/Client Focus.
- Decision Making.
- Conduct oneself in a manner that can be supported by the bank.
- Thoroughness.
- Additional duties as assigned.
MINIMUM QUALIFICATIONS:
- Bachelor’s degree in Accounting, Finance, Economics OR in lieu of a degree, a minimum of 4 years closely applicable work experience.
- Working knowledge of personal computers and related software programs.
- Authorization to work in the United States.
- Reliable transportation.
- Ability to read, write, and speak the English language
PREFERRED SKILLS/EXPERIENCE:
- One year bank analyst or financial analysis related experience.
- Strong Excel & Word skills.
- Excellent verbal and written communication skills.
- Excellent analytical ability.
- Previous experience with JHA software a plus.
Physical Demands
The physical demands described here are representative of those that must be met by a teammate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Physical Activity
- Climbing: Ability to climb stairs
- Stooping: Bending body downward and forward by bending spine at the waist.
- Kneeling. Bending legs at knee to come to a rest on knee or knees crouching bending the body downward and forward by bending leg(s) and spine.
- Reaching. Extending hand(s) and arm(s) in any direction.
- Standing. 15%-25% of sustained periods of time.
- Sitting: 75%-85% of sustained periods of time
- Walking. Moving about on foot to accomplish tasks
- Raising objects from a lower to a higher position or moving objects horizontally from position to-position.
- Fingering. Picking, pinching, typing or otherwise working, primarily with fingers rather than with the whole hand as in handling. Manipulating a keyboard
- Grasping. Applying pressure to an object with the fingers and palm.
- Feeling. Perceiving attributes of objects, such as size, shape, temperature or texture by touching with skin, particularly that of fingertips.
- Talking. Expressing or exchanging ideas by means of the spoken word. Ability to speak to other employees and customers on the telephone and in person.
- Hearing. Perceiving the nature of sounds at normal speaking levels with or without correction. Ability to receive detailed information through oral communication, and to make the discriminations in sound. Ability to hear other employees and customers on the telephone and in person.
- Repetitive motion. Substantial movements (motions) of the wrists, hands, and/or fingers.
- Body and motor skills sufficient to enable the incumbent to move from one office location to another
- Digital dexterity and eye/hand coordination in the operation of office equipment
Physical Requirements
Light work. Exerting up to 25 pounds of force occasionally, and/or up to 10 pounds of force frequently, and/or a negligible amount of force constantly to move objects. Light to moderate lifting and carrying of coin, supplies, files, etc.
Visual Acuity
The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; reading. The worker is required to have visual acuity to determine the accuracy, neatness, and thoroughness of the work assigned.
Mental
- Secure supplies and files
- Capable of learning to use typical office equipment
- Performing simple to moderately complex mathematical calculations
Conditions
Typical office setting.
The Bank of Bird-in-Hand provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. To perform this job successfully, an individual must be able to perform each essential job duty satisfactorily. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential job functions.
satisfactorily. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential job functions..
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.
www.colinoncars.com is the go-to platform for job seekers looking for the best job postings from around the web. With a focus on quality, the platform guarantees that all job postings are from reliable sources and are up-to-date. It also offers a variety of tools to help users find the perfect job for them, such as searching by location and filtering by industry. Furthermore, www.colinoncars.com provides helpful resources like resume tips and career advice to give job seekers an edge in their search. With its commitment to quality and user-friendliness, www.colinoncars.com is the ideal place to find your next job.