Credit Analyst

Summary

The role of the Credit Analyst is to provide basic credit analysis in support of the lending function across the Bank including, but not limited to, (i) spreading of financial statements, (ii) tax analysis, (iii) compliance monitoring, (iv) tickler tracking, (v) annual term loan reviews, and (vi) other basic credit functions. The objectives of this job function are to deliver consistent and reliable product for the existing analytical services provided, enhance the quality of analytical services provided by Credit Management Division to bank associates, and to deliver the product in an effective and efficient manner within established service level agreement timeframes). 

Essential Duties and Responsibilities include the following:

• Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job.
• Provide, present and promote “The Citizens Experience” to all external and internal customers.
• Review all credit files for CMD pursuant to submitted requests for completeness.
• Spread financial statements and/or tax returns using Moody’s statement analyzer.
• Use Excel or other spread sheet programs to complete personal cash flows from tax returns, personal financial statements, credit reports, and other financial information.
• Discuss credit requests and financial information with Center and Department personnel.
• Must develop the ability to prepare accurate, clear, and concise preliminary analysis of financial information presented and formulate questions for review by Credit Officers/Credit Administrators.
• Provide high level administrative support to the Credit Management Department on an as needed basis under the direction of either the Chief Credit Officer or the Deputy Chief Credit Officer.
• Other duties may be assigned.

Qualifications

To 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 Experience                                                   

Bachelor's degree (B. A.) an accredited college or four-Year University; or one to two years related experience and/or training; or equivalent combination of education and experience.

Specific college-level courses in Accounting are considered necessary to the job, including Introductory Accounting and Intermediate Accounting coursework. Good understanding of basic accounting concepts.

Language Skills                                                   

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.  Ability to write reports, business correspondence, and procedure manuals.   Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Mathematical Skills                                             

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.  Ability to apply concepts of basic algebra and geometry.

Reasoning Ability                                                

Ability 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.

Computer Skills                                                   

To perform this job successfully, an individual should have basic computer skills and knowledge of Excel Spreadsheet software, MS Word software and Moody's Financial Analysis.                               

Physical Demands 

The 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 frequently required to sit. The employee is occasionally required to stand; walk; reach with hands and arms and talk or hear. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

Work Environment 

The 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.