Credit Analyst I

SUMMARY OBJECTIVE:

Administer assistance to lending officers of the bank by furnishing credit analysis and financial information evaluation services.

ESSENTIAL FUNCTIONS:

1. In support of the Lending Division, prepare accurate, comprehensive, and timely credit analysis as required by policy to support loan production efforts of the Lending Division with appropriate balance of credit risk management and compliance with credit policies. Evaluate financial statements and various credit data to determine and document the degree of risk in lending funds. Complete ratio, trend and cash flow analysis. Carefully analyze all data to produce meaningful, clear, and objective reports.

2. Ensure that credit files are complete, identify any documentation deficiencies, and work with relationship manager to identify and collect documents as needed for timely approvals on new and existing credits. Thoroughly research borrowers, guarantors, and industry data, with focus on addressing any potential credit worthiness concerns.

3. Provide spreadsheet preparation services as requested by the Lending Division and provide credit analyses of existing lending exposures in the portfolio, with a goal of assuring annual analysis, in the minimum, of the largest 25 credit exposures of the Bank. Provide ongoing monitoring of financial covenants, including calculations, monitoring updates and communication of compliance status. Complete review of real estate appraisals and evaluations accurately and on time as assigned.

4. Adhere to project deadlines.

5. Maintain a good working knowledge of the Bank's products, lending policies and procedures and identify exceptions to policy.

6. Continually keep abreast of related legal, banking, industry, compliance, and market risk related issues.

7. Contribute to and participate in maintaining a consistent credit culture throughout the organization by promoting compliance with all credit policies and procedures.

8. Periodically aid the Supervisor of Credit Analysis to coordinate preparation and distribution of loan packages for the Credit Policy, Credit and Board Discount Committees, and loan meetings of the Board of Directors.

9. Enhance and promote AmeriServ Financial Bank through participation in community organizations, activities, and projects.

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.

SUPERVISORY RESPONSIBILITY:

This position does not supervise employees.

WORK ENVIRONMENT:

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

PHYSICAL DEMANDS:

The employee is frequently required to: 1) Type or otherwise work with fingers; 2) Talk expressing or exchanging ideas by means of the spoken word. Those activities in which they must convey detailed or important spoken instructions to other workers or clients accurately, loudly, or quickly; 3) Hearing - perceiving the nature of sounds at normal speaking levels with/without correction. Ability to receive detailed information through oral communication and make the discriminations in sound. Operating a motor vehicle and the ability to adapt to environmental weather conditions, as seasons change.

Sedentary work may require occasionally lifting of up to 25 pounds and/or move up to 30 pounds. This work involves sitting most of the time with walking, driving, and sitting.

Specific vision abilities required by this job include: 1) viewing a computer monitor; 2) extensive reading; 3) driving.

TRAVEL:

No travel is required, except for possible training and seminars.

COMPETENCIES:

1. Excellent Communication Skills (Written and verbal)

2. Strong Analytical Skills

3. Computer Skills including Microsoft Office and Internet

4. Problem Solving Skills

5. Deadline Driven

6. Ethical Conduct

7. Principled Time Management

8. Composure Under Pressure/Stressful Situations

REQUIRED EDUCATION and EXPERIENCE:

Bachelor's Degree in accounting, finance, business, or related field with completion of accounting coursework through at least the intermediate level.