Credit Analyst

About this role

• **Job Summary:** Conducts credit inquiries and analyzes credit information relating to loans; assists in the preparation of, credit memos & reports for presentation to loan officers or Loan committees; furnishes information in relation to credit inquiries; provides support to loan officers.
• This position will report to the Sr.
• Credit Analyst and Chief Credit Officer.
• ***Duties/Responsibilities:*** * Developing credit information for use in the making of lending decisions on new, renewal, and extension loans.
• * Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
• * Input Tax Returns, Corporate & Personal Financial Statements, and other relevant financial data to create financial spreads and reports to develop trends and establish a customers' repayment ability.
• * Analyzes Tax Returns, financial statements, and Cash Flows.
• * Prepares summary, presents findings, and occasionally offers opinions concerning creditworthiness.
• * Providing credit information and references for customers, loan officers, or other agencies as requested.
• * Ensures that all credit files are kept current with latest financial statements, agency reports, etc.
• * Adheres to all bank policies and complies with regulatory requirements.
• * Other duties related as assigned by management.
• ***Required Skills/Abilities:*** * Excellent interpersonal and customer service skills * Excellent written and verbal communication skills * Excellent organizational skills and attention to detail with accuracy being paramount * Be able to work independently and be Self-Motivated and, also, be able to work with a team * Have a Complete understanding of: Federal Tax Returns, GAAP, accounting, and be able to read both Corporate and Personal financial statements; * Be able to read and interpret Credit Reports; * Should be able to use relevant Industry Analysis * Possess a Strong understanding of business entity legal structures, risk rating, and financial statement analysis * Possess excellent computer skills and experience with Proprietary bank software.
• * Proficient with Microsoft Office Suite or related software.
• Specifically, Word, Excel, Adobe, etc.
• ***Education and Experience:*** * High school diploma or equivalent required; degree in Accounting, Finance, and/or other Business-related College Level major is preferred.
• ***Physical Requirements:*** * Prolonged periods of using multiple computer screens and multi-tasking * Prolonged periods of sitting and standing * Must be able to lift 15 pounds at times.

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