Credit Analyst

SUMMARY

The position of Credit Analyst is responsible for managing the Commercial, C&I, SBA, Real Estate Lending, Consumer and Commercial Equipment Leasing loan process and preparation of relationship global cash flow analysis and Management Reporting: Support Company’s Lending units with Credit memorandums and financial analysis of new and exist lending relationships. 

Ensures compliance with established Bank policies and procedures.  Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: GLBA (Gramm-Leach-Bliley Act), Regulation Z (Truth in Lending Act), Regulation DD (Truth in Savings Act) Regulation B (Equal Credit Opportunity Act), Dodd–Frank Wall Street Reform and Consumer Protection Act (Dodd Frank Act), Elder Abuse Laws, Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program, Right to Financial Privacy Act (state and federal) and Community Reinvestment Act.

REQUIRED DUTIES

1.    Identifies, collects, and analyzes credit analysis and global cash flow to assess credit risk. 

2.    Conducts site visits, meetings, and interviews with borrowers.

3.    Prepares file approval memorandums summarizing results and validates Credit Risk Ratings in compliance with the Company’s policy and procedures. 

4.    Monitors delinquencies, covenant compliance, etc. 

5.    Supports commercial lending in other credit matters as assigned. 

6.    Contacts borrowers to obtain additional supporting information. 

7.    Prepares spreadsheets and calculates appropriate rations and other financial information. 

8.    Provides direct support to Senior Credit Officers/Credit Manager to develop and analyze all relevant credit information in conjunction with account officers pertaining to more complex commercial and business loans.

9.    Maintains knowledge of the Bank’s underwriting and lending guidelines

10.    Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.

11.    Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action. 

12.    Follows policies and procedures; completes tasks correctly and on time; supports the company’s goals and values.

13.    Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions.  The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one’s own actions and conduct.

14.    Performs duties specific to the position and other functions as assigned.

MINIMUM REQUIREMENTS

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position.  The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner.  Individual abilities may result in some deviation from these guidelines.

•    Bachelor's degree highly preferred; High school diploma and/or 1+ plus years work experience and/or training in commercial or SBA lending – specifically, property cash flow analysis and appraisal valuation methods.

•    Commercial real estate and/or SBA analysis/underwriting experience a plus

•    Strong problem solving, analytical and decision making skills.

•    Able  to handle multiple transactions at once and work well in a team-oriented environment

•    Strong customer service skills, relationship development and management skills

•    Basic skills in computer terminal and personal computer operation; mainframe computer system; word processing and spreadsheet software programs.

•    Intermediate typing skills to meet production needs of the position.

•    Basic math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.

•    Good verbal, written and interpersonal communication skills, with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, and speak clearly to customers and employees.

•    Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.

•    Ability to work with no supervision while performing duties.

Pay $45,800 - $65,000 per year. The salary reflects the full, reasonably expected salary range for this position. Salary is based on the candidate’s current experience, education, skills, and abilities related to the position. Successful candidates may be eligible for bonus, stock, commissions, and incentives at the Company’s sole discretion. We offer a comprehensive benefits package, which vary depending on the position ultimately offered.  All employees are offered paid sick time off.  Depending on the position offered, benefits packages may include vacation leave; paid holidays; medical, dental, vision, life and disability insurance packages for employees and dependents; various other voluntary benefit offers, and optional retirement accounts. 

We are an Equal Opportunity Employer. All applicants will receive consideration for employment without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, age, marital status, disability, gender identity, gender expression, genetic information, or military or Veteran status, or any other characteristic protected by law. 

The application window for this position is expected to close on February 1, 2027.