Credit Analyst Community Banking - Lending

About this role

• **BASIC FUNCTION SUMMARY****:** The Credit Analyst is responsible for assessing the creditworthiness of loan applicants and managing credit risk for the bank.
• They evaluate commercial and consumer loan applications, analyze financial data, and make recommendations regarding credit decisions.
• This role involves thorough financial analysis, risk assessment, and collaboration with stakeholders to ensure compliance with regulatory requirements.
• ***The following duties are not intended to serve as a comprehensive list of all duties required in this position.
• This job description is intended to provide a representative summary of the major duties and responsibilities.
• This role may not be required to perform all duties listed and may be required to perform additional duties as requested.*** **ESSENTIAL FUNCTIONS: Duties, Skills, Responsibilities and Expectations:** =========================================================================== * Evaluate borrowers' ability to repay loans based on financial metrics and projections.
• * Analyze financial statements, tax returns, and credit reports to assess creditworthiness.
• * Assess risk associated with various loan types including commercial, consumer, and mortgage loans.
• * Conduct industry and market analysis to understand economic impacts on borrowers.
• * Prepare comprehensive credit memorandums and recommendations for loan approvals.
• * Collaborate with loan officers and underwriters to gather necessary information.
• * Monitor loan portfolios for potential credit risks and recommend mitigation strategies.
• * Stay updated on regulatory requirements and industry best practices.
• * Conduct financial statement spreading and analysis for loan customers.
• * Perform underwriting duties including trend analysis and collateral assessment.
• * Advise lending officers on regulatory and policy compliance.
• * Conduct loan reviews and stress test analysis.
• * Assist with risk management functions and ensure compliance with policies and regulations.
• * Evaluate loan structures and identify potential credit quality problems.
• * Maintain relationships with loan officers and provide guidance for development.
• * Prepare reports detailing findings and recommendations for management.
• * Undertake additional tasks assigned by Management to support departmental functions.
• * Must comply with all bank policies and procedures that are job related and/or consistent with business necessity.
• **WORKING CONDITIONS****:** =========================== * Air-conditioned office environment **PHYSICAL DEMANDS:** ===================== * Sitting for extended periods of time.
• * Walk, stand, bend, squat, twisting and reaching.
• **MINIMUM REQUIREMENTS****:** ============================= * Proficient in computer (Word and Excel) and general office skills * Strong analytical skills with the ability to interpret complex financial information.
• * High attention to detail and accuracy.
• * Excellent organizational and prioritizing skills * Excellent verbal & written communication skills.
• * Flexibility to deal with interruptions, changing priorities, and deadlines.
• * Good command of credit related financial modeling and analysis techniques.
• * Ability to read and understand regulations, policies, and procedures.
• * High-level professionalism and interpersonal skills including courtesy, tact, and diplomacy as giving and obtaining information may require discussion of a sensitive or personal nature.
• ***We are an Equal Opportunity Employer!*** Clear Fork Bank is an affirmative action and equal opportunity employer and maintains a work environment that is free from discrimination where employees are treated with dignity and respect.
• Employment at Clear Fork Bank is based solely on an individual's merit and qualifications, which are directly related to job competence.
• Clear Fork Bank does not discriminate against any employee or job applicant on the basis of race, ethnicity, nationality, ancestry, genetic information, citizenship, religion, age, gender, gender identity/expression, sexual orientation, pregnancy, marital status, disability, or any other characteristic protected by applicable laws, rules, or regulations.
• Clear Fork Bank is committed to providing access and reasonable accommodation for individuals with disabilities in employment, its services, programs and activities.
• We adhere to these principles in all aspects of employment, including recruiting, hiring, training, compensation, promotion, and benefits.
• Clear Fork Bank is a registered E-Verify employer committed to compliance with all fair employment practices related to citizenship and immigration status.
• Clear Fork Bank is unable to provide temporary worker visa sponsorship.

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