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 compute…