Credit Analysts Jobs Near Me

Position Description:

The Credit Analyst II position involves financial analysis and preparation of loan presentations/quick approvals for new loan requests, renewals, and annual reviews. This position will underwrite loans with a specific focus on small business lending, as well as provide back-up support for consumer lending. Individuals in this position will be required to input financials and create financial spreads and perform an analysis to determine risks to the bank and credit worthiness of commercial businesses, agricultural operations, and individuals. Analyst will be responsible for reviewing all relevant loan information, including but not limited to loan applications, financial statements, entity documents, and market valuations. The individual in this position is responsible for ensuring the loan process is functioning according to Bank policy/procedures and applicable laws/regulations.

Position Responsibilities: Day to day work will include financial analysis and cash flow analysis, spreading business financials and tax returns, spreading guarantor financials and tax returns, and other commercial underwriting functions. Identify and mitigate risk to the bank by evaluating key metrics to ensure they meet bank policy. Key financial metrics include, but are not limited to, cash flow, debt service coverage, leverage, liquidity, collateral loan to values, risk analysis, etc. Complete a thorough review and in-depth analysis of new credit requests, credit modifications, renewals and annual relationship reviews with a focus on small business lending. Prepare loan presentations for new credit requests, renewals, and annual reviews. CA II will generally operate in small business lending and is able to routinely underwrite assigned credits up to $4MM. Occasionally underwrite non-complex loans for Directors Loan Committee. Assist with coverage/back-up for consumer underwriting.

Monitor ongoing financial performance of borrowers and act as an independent reviewer of the borrowings relationship to complete annual reviews. Present analysis and findings to Loan Officers, tied to analysis and assessment of credit risk. Collaborate with Loan Officers on loan structure and/or credit enhancements. Research and collect industry specific data to use for ratio analysis and assessment of industry risks. SECONDARY DUTIES

Maintain a good working knowledge of the Banks lending policies and procedures and identify exceptions to policy.

Provide technical assistance to Loan Officers as needed. Perform other duties as assigned such as special projects. Minimum Qualifications: MINIMUM QUALIFICATIONS -

Must have 4-year college degree in finance, accounting, business management or closely related field or 2+ years of commercial banking experience.

KNOWLEDGE AND SKILL REQUIREMENTS - Must be proficient in MS Office (Outlook, Excel, Word, etc.)

General understanding of accounting principles and financial statements

Familiarity with financial concepts and analytical frameworks, to include DSCR, cash flow, key performance indicators, etc.

Strong attention to detail and excellent organizational skills; ability to manage multiple priorities and deadlines.

Ability to prepare a written loan presentation, including financial spreads

Ability to present business industry information by use of various research tools.

Strong analytical, problem-solving, and decision-making skills.

Requires the ability to work both independently and as part of a team.

Requires excellent written and verbal communication skills.

Good working knowledge of state and federal regulations, lending standards, financial products, and bank operations

Understands sources of repayment, can align with purpose and collateral to determine appropriate path to analysis.

Physical Demands and Work Environment: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions.

Required to talk and hear; frequently required to use hands and fingers to handle or feel objects, tools or controls. Ability to stand and sit, reaching with hands and arms; kneeling, crouching. Must occasionally lift and/or move up to 20 pounds. Specific vision abilities required include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually low to moderate. Depending on location and time of year, extreme high and low temperatures within the building will be experienced.

Additional Information: BSA Requirements:

It is the responsibility of all employees to make all reasonable efforts to identify suspicious cash activity which may be associated with customer attempts to avoid the reporting requirements of the BSA or government or federal tax reporting, as well as potential money laundering resulting from criminal / illegal activities. All suspicious activity, regardless of the amount involved in the transaction, must be reported to a supervisor or Branch Manager for further investigation and possible reporting by the Bank Secrecy Officer to the Financial Crimes Enforcement Network (FinCEN).

No director, officer, employee, or agent who reports a suspicious transaction under the requirements of the BSA may notify any person involved in the transaction that the transaction has been reported.

Each employee of the bank shall be required to complete Bank Secrecy Act / Suspicious Activity training periodically which is commensurate with the duties of their position.

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