Senior 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, spreading of financial statements, tax analysis, compliance monitoring, and tickler monitoring. 

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Complies with, and stays abreast of, all policies and procedures, federal and state laws applicable to the job. 
• Reviews all incoming requests for the Credit Management Division pursuant to submitted spread or covenant compliance request for completeness. 
• Assigns daily spread and covenant compliance requests to the Credit Analyst team. 
• Analyzes and spreads complex business financial statements and/or tax returns using Moody’s Credit Lens. 
• Compute complex covenant compliance measurements and processes Annual Term Loan Reviews as required by Business Loan Agreement or Guaranty.
• Prepares the monthly Marketable Securities Report and assists with the Month End Delinquency reports for the Board meeting. 
• Uses Excel or other spreadsheet programs to complete complex personal cash flows from tax returns, personal finance statements, credit reports, and other financial information. 
• Reviews business loan documentation in order to complete covenant compliance and Annual Term Loan Reviews. 
• Discusses spread and covenant compliance requests and financial information with Credit Administrators, Center, and Department personnel. 
• Prepares accurate, clear, and concise preliminary analysis of financial information presented, and formulates questions for review by Credit Officers and/or Credit Administrators. 
• Provides high level administrative support to the Credit Management Department on an as needed basis under the direction or the Chief Credit Officer or the Deputy Chief Credit Officer. 
• Provide, present, and promote the Citizens Experience to all external and internal customers. 
• Other duties as assigned. 

SUPERVISORY RESPONSIBILITIES

No direct supervisory responsibilities, however, the Senior Credit Analyst may assign daily tasks to the Credit Analyst team at the direction of the Credit Analyst Team Manager. 

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.) from four-year college or university; or three to five 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.

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 and percentages.  Ability to apply concepts of basic algebra and geometry, and interpret bar graphs.

REASONING ABILITY

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.  Ability to deal with problems involving several concrete variables in standardized situations.

COMPUTER & SOFTWARE SKILLS

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

CERTIFICATES, LICENSES, REGISTRATIONS

N/A

OTHER SKILLS and ABILITIES

• Good understanding of basic accounting concepts. 
• Ability to multitask and change work priorities in a fast paced environment. 

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an associate 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 associate is regularly required to talk or hear.  The associate is frequently required to stand; walk; sit; and use hands and fingers to handle or feel.  The associate is occasionally required to reach with hands and arms, and stoop, kneel, crouch or crawl.  The associate is regularly required to operate a computer keyboard, mouse, calculator and telephone and reach with hands and arms.  The associate must occasionally lift and/or move up to ten (10) pounds. 

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an associate 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 work environment is usually moderate.