CREDIT ANALYST I
CREDIT ANALYST ISUMMARYThis position is responsible for analyzing the financial data of new and existing commercial loans and preparing credit reviews.
Work is performed within the framework of standard operating policies and procedures; however, independent judgment and discretion is required in performing assigned tasks.
Deviations from normal procedures and/or questions are referred to the designated supervisor.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.
Other duties may be assigned.
Analyze new and existing commercial credit files (e.
g.
, enter data into database and/or spreadsheet computer applications; generate reports; collate data from reports; review balance sheet, income statement, etc.
and calculate ratios in preparing credit review; submit review for loan officers' modification; prepare final comments and make decisions regarding assignment of loan rating; sign and archive credit review with loan file).
Create and run queries for Commercial Loan Department staff.
Prepare forms, reports, correspondence, memoranda, etc.
; answer the telephone and provide assistance to customers.
Perform project work, as assigned.
Comply with all banking regulations, policies and procedures.
NON-ESSENTIAL DUTIES & RESPONSIBILITIES include the following.
Other duties may be assigned.
Maintain educational and professional expertise through attendance at job related seminars, conferences and workshops.
Represent the bank in a variety of community activities and functions.
SUPERVISORY RESPONSIBILITIESNone.
QUALIFICATIONSTo perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
The requirements listed below are representative of the knowledge, skill, and/or ability required.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION and/or EXPERIENCEPossess a four-year college degree from an accredited university or institution with the major area of study in accounting, finance, business administration or other closely related discipline.
Work experience and/or college coursework can be substituted for the four-year college degree.
Posses a minimum of one year of professional work experience as a credit analyst or closely related field.
LANGUAGE SKILLSAbility to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.
Ability to write routine reports and correspondence.
Ability to speak effectively before groups of customers or employees of organization.
MATHEMATICAL SKILLSAbility to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
REASONING ABILITYAbility to apply common sense understanding to carry out detailed but uninvolved written or oral instructions.
Ability to deal with problems involving a few concrete variables in standardized situations.
OTHER SKILLS AND ABILITIESMust have the ability to operate the following equipment:
telephone, 10-key calculator, typewriter, personal computer and printer, copy machine, fax machine.
Must have working knowledge of word processing, spreadsheet, and database software programs.
Advanced PC knowledge.
KEY CONTACTS--Internal and ExternalHas frequent contact with individuals within the Commercial Lending Department.
CERTIFICATES, LICENSES, REGISTRATIONSValid driver's license.
PHYSICAL DEMANDSThe physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel and talk or hear.
The employee frequently is required to sit and reach with hands and arms.
The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, crouch, or crawl.
The employee must occasionally lift and/or move up to 10 pounds.
Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.
WORK ENVIRONMENTThe work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
COMMENTSPosition requires the ability to work before or after normal business hours to meet deadlines and attend various meetings.
Job related travel may be required.
%58047475% %%accounting%% Recommended Skills Business Administration Calculations Databases Fax Finance Loans Estimated Salary: $20 to $28 per hour based on qualifications.
Work is performed within the framework of standard operating policies and procedures; however, independent judgment and discretion is required in performing assigned tasks.
Deviations from normal procedures and/or questions are referred to the designated supervisor.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.
Other duties may be assigned.
Analyze new and existing commercial credit files (e.
g.
, enter data into database and/or spreadsheet computer applications; generate reports; collate data from reports; review balance sheet, income statement, etc.
and calculate ratios in preparing credit review; submit review for loan officers' modification; prepare final comments and make decisions regarding assignment of loan rating; sign and archive credit review with loan file).
Create and run queries for Commercial Loan Department staff.
Prepare forms, reports, correspondence, memoranda, etc.
; answer the telephone and provide assistance to customers.
Perform project work, as assigned.
Comply with all banking regulations, policies and procedures.
NON-ESSENTIAL DUTIES & RESPONSIBILITIES include the following.
Other duties may be assigned.
Maintain educational and professional expertise through attendance at job related seminars, conferences and workshops.
Represent the bank in a variety of community activities and functions.
SUPERVISORY RESPONSIBILITIESNone.
QUALIFICATIONSTo perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
The requirements listed below are representative of the knowledge, skill, and/or ability required.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION and/or EXPERIENCEPossess a four-year college degree from an accredited university or institution with the major area of study in accounting, finance, business administration or other closely related discipline.
Work experience and/or college coursework can be substituted for the four-year college degree.
Posses a minimum of one year of professional work experience as a credit analyst or closely related field.
LANGUAGE SKILLSAbility to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.
Ability to write routine reports and correspondence.
Ability to speak effectively before groups of customers or employees of organization.
MATHEMATICAL SKILLSAbility to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
REASONING ABILITYAbility to apply common sense understanding to carry out detailed but uninvolved written or oral instructions.
Ability to deal with problems involving a few concrete variables in standardized situations.
OTHER SKILLS AND ABILITIESMust have the ability to operate the following equipment:
telephone, 10-key calculator, typewriter, personal computer and printer, copy machine, fax machine.
Must have working knowledge of word processing, spreadsheet, and database software programs.
Advanced PC knowledge.
KEY CONTACTS--Internal and ExternalHas frequent contact with individuals within the Commercial Lending Department.
CERTIFICATES, LICENSES, REGISTRATIONSValid driver's license.
PHYSICAL DEMANDSThe physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel and talk or hear.
The employee frequently is required to sit and reach with hands and arms.
The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, crouch, or crawl.
The employee must occasionally lift and/or move up to 10 pounds.
Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.
WORK ENVIRONMENTThe work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
COMMENTSPosition requires the ability to work before or after normal business hours to meet deadlines and attend various meetings.
Job related travel may be required.
%58047475% %%accounting%% Recommended Skills Business Administration Calculations Databases Fax Finance Loans Estimated Salary: $20 to $28 per hour based on qualifications.
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