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Credit Analyst I

Job Description

The Credit Analyst I is responsible for conducting in-depth industry and financial analysis of existing and potential borrowers. This job works cooperatively to support the Lending and Credit functions of the Bank.

Job Requirements
  • Responsible for basic financial analysis of less complex loans/industries/Customers.
  • Work reviewed and monitored by lead staff.
  • Basic understanding of loan risk factors.
  • May research industry specific information from outside sources, which may include conversation with Borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet.
  • May participate in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times).
  • Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition.
  • Supports the lending function by providing analytical support.
  • May prepare insightful and timely approval memorandums for presentation to appropriate lending and credit authorities.
Qualifications
  • 4 year degree or equivalent experience.
  • 1-2 years related experience preferred.
  • Basic knowledge of credit and financial analysis techniques.
  • Strong oral and written communication skills.
  • Strong analytical and research skills.
  • Developed PC skills including proficiency and capability in word processing and spreadsheet software.
  • Ability to meet deadlines.
  • Ability to maintain the confidentiality of credit and Customer information.
  • Good interpersonal skills and team orientation.