Junior Commercial Credit Analyst

Responsible for analyzing and monitoring the creditworthiness of the Bank’s customers.  Analyzes financial statements and tax returns to evaluate the financial condition of individuals and businesses applying for credit with the Bank.

·         Obtain loan request information from Commercial Bankers or Borrowers to analyze credit information, financial statements and other related information pertaining to the loan.

·         Spread financial statements for Commercial Bankers into the Abrigo/Sageworks System.

·         Review and prepare written analysis, spreadsheets, reports, summaries, and recommendations based on risks, credit and collateral.  Assist in presentation of findings to the Lenders.

·         Understand the background of Borrowers and be able to communicate, both in writing and verbally, the strengths and weaknesses of a credit.

·         Prepare memos for the Commercial Bankers, if needed

·         Credit underwriting.

·   Bachelor’s degree in Business, Accounting, Finance or related field or a minimum of 2 years of related experience in loan review or commercial lending; or an equivalent combination of education and experience.

·   Effective oral and written communication skills.

·   Ability to compute complex math calculations.

·   Proven problem-solving and analytical skills.  Ability to interpret a variety of information furnished in written, oral, diagram, or schedule form.

·   Ability to prioritize.

·   Effective time management skills.

·   Proficiency in using personal computers and office products (e.g., Word, Excel).