Commercial Credit Analyst

POSITION SUMMARY:

This person reviews loans to ensure that acceptable credit standards are maintained and that loans conform to established company policy. Accompanies officers calling on customers when requested, develops, and analyzes all types of credit information pertaining to diversified types of commercial loans, prepares credit reports for loan officers and committees, maintains control over credit requirements of current accounts, and furnishes information relative to credit inquiries. Responsible for conducting relationships and activities consistent with established Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable State and Federal laws and regulations.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Responsible for reviewing loans to ensure that acceptable credit standards are maintained and that loans conform to established company policy.
• Accompany officers calling on customers when requested.
• Develop and analyze all types of credit information pertaining to diversified types of commercial loans, prepares credit reports for loan officers and committees, maintains control over credit requirements of current accounts, and furnishes information relative to credit inquiries.
• Conduct investigation and analysis of routine financial data to facilitate the credit extension decision-making process.
• Use credit reporting services to compile reports regarding the credit history of potential customers.
• Research and analyze financial statements. Interpret findings and prepare reports on financial position and credit worthiness.
• Assist with the preparation and presentation to loan committees or customers. May offer opinions regarding financial strength and creditworthiness of customers.
• Maintain loan documentation files and monitor compliance with terms of loan agreements.
• Conduct a systematic review of commercial loans to determine adequacy of documentation.
• Monitor the financial position of established accounts and bring irregularities to the attention of the Department Manager.
• Review loans that are held for follow-up and recommend appropriate action.
• Ensure thorough knowledge and understanding of compliance and regulatory issues relating to loan policy and procedures evidenced by appropriate application of regulations in day-to-day operations.
• Demonstrate the highest level of professionalism, efficiency and customer service when resolving customer issues.
• Understand and maintain a thorough knowledge of the Bank's other services and operations such as Cash Management, Correspondent Banking and Trust and make referrals and facilitate introductions as appropriate.
• Engage in activities that will build professional network, charitable boards, community involvement, etc.
• Attend and complete all required training.
• Consistently meet the expectations defined in Central Bank's six standards of Living Legendary.

ADDITIONAL DUTIES AND RESPONSIBILITIES:

Assist others as needed. The position may be assigned other duties and responsibilities and may be assigned work or training at other assigned locations.