Come to work for a company you can be proud to work for...and enjoy fantastic, comprehensive benefits. The Credit Analyst participates on a team which provides credit analysis on assigned commercial credits.
Requirements
- Inputs historical financial information to show financial trends, evaluate repayment, and mitigate risk.
- Analyzes key factors such as industry, management, and economic trends.
- Ability to work in a heavily deadline-oriented environment.
- Orders business credit reports and personal credit reports on business principals.
- Maintains and coordinates covenant management responsibilities for assigned region.
- Maintains a log of maturing lines and coordinates renewal process to ensure that necessary information is received prior to line maturity.
- Monitors past due loans for assigned portfolio(s) and recommends action to sales staff or contacts customers directly, as appropriate. Maintains a log of pending action or resolution for past due loans.
- Assists as needed in the preparation of Annual Credit Reviews and Problem Loan Reports.
- Analyzes commercial loan applications received by Relationship Managers to determine eligibility of request, providing prompt turnaround time. Confers with Relationship Managers to determine client needs and discuss options for borrowers. Requests any additional information needed to complete processing.
- Ensures the customer loan request is processed accurately and timely. Coordinates with appraisal department and escrow companies for secured loan products.
- Provides exceptional assistance and support to all Relationship Managers and Credit Administration.
- Maintains a current understanding of Bank underwriting guidelines, procedures, policies and compliance issues. Maintains a working knowledge of regulatory requirements for documentation and regulations relating to commercial lending.
- Maintains a current understanding of Bank policies and procedures in compliance with all federal and state laws, including but not limited to Bank Secrecy Act (SARs, CIP, OFAC), Information Security (GLBA), Identity Theft Red Flags, Financial Elder Abuse Reporting, and any other applicable regulations that may be specific to your job duties.
- Performs other work-related duties as assigned.
- Assists Regional Credit Administrators and Commercial Underwriters in the development and completion of special projects, spreadsheets, graphs, and reports as assigned.
Benefits
- Generous Paid Time Off
- 401k Matching
- Retirement Plan
- Visa Sponsorship
- Four Day Work Week
- Generous Parental Leave
- Tuition Reimbursement
- Relocation Assistance
