Credit Analyst

Salary Grade: Associate - Manager III

Duties: Provides all pertinent lending decision making information as required within the commercial credit underwriting process. Provides important information which will be used to determine the credit worthiness of an applicant. Analyzes a combination of financial statements, tax returns, credit reports, collateral valuations, ratio & industry/market trend, and other such information deemed appropriate. Completes spreads of financial statements through the use of the banks Commercial Credit Management software. Prepares loan presentations for Loan Committee approval for new applications, renewals, loan review and modification requests. Uses banks credit management software to maintain accurate loan information for reporting purposes and for financial tracking.

Skills: Excellent communication (written and verbal), organizational, analytical, and interpersonal skills. A thorough knowledge of bank lending principles, policies and practices including knowledge of current lending and banking laws. Moderate to advanced computer skills and proficient financial statement analysis skills. Ability to work in a fast-paced environment and meet deadlines.

Experience: A minimum of 3 years experience in banking and financial analysis.

Education: 4-year degree in Accounting or Finance preferred.