Credit Analyst

Conducts credit inquiries and analyzes credit information relating to loans; assists in the preparation of, credit memos & reports for presentation to loan officers or Loan committees; furnishes information in relation to credit inquiries; provides support to loan officers. This position will report to the Sr. Credit Analyst and Chief Credit Officer. ***Duties/Responsibilities:*** - Developing credit information for use in the making of lending decisions on new, renewal, and extension loans. - Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches. - Input Tax Returns, Corporate & Personal Financial Statements, and other relevant financial data to create financial spreads and reports to develop trends and establish a customers’ repayment ability. - Analyzes Tax Returns, financial statements, and Cash Flows. - Prepares summary, presents findings, and occasionally offers opinions concerning creditworthiness. - Providing credit information and references for customers, loan officers, or other agencies as requested. - Ensures that all credit files are kept current with latest financial statements, agency reports, etc. - Adheres to all bank policies and complies with regulatory requirements. ***Required Skills/Abilities:*** - Excellent interpersonal and customer service skills - Excellent written and verbal communication skills - Excellent organizational skills and attention to detail with accuracy being paramount - Be able to work independently and be Self-Motivated and, also, be able to work with a team - Have a Complete understanding of: Federal Tax Returns, GAAP, accounting, and be able to read both Corporate and Personal financial statements; - Be able to read and interpret Credit Reports; - Should be able to use relevant Industry Analysis - Possess a Strong understanding of business entity legal structures, risk rating, and financial statement analysis - Possess excellent computer skills and experience with Proprietary bank software. - Proficient with Microsoft Office Suite or related software. Specifically, Word, Excel, Adobe, etc. ***Education and Experience:*** - High school diploma or equivalent required; degree in Accounting, Finance, and/or other Business-related College Level major is preferred. **** **** ***Physical Requirements:*** - Prolonged periods of using multiple computer screens and multi-tasking - Prolonged periods of sitting and standing - Must be able to lift 15 pounds at times.