GENERAL FUNCTION OF CREDIT ANALYST

Responsible for spreading and analyzing financial statements of commercial customers which include calling lenders to collect additional financial information.

MAJOR DUTIES AND RESPONSIBILITIES OF CREDIT ANALYST

   Analyst (85%)

• Prepares credit memos
• Works with Loan Review
• Spreads financial information for relationships over $500,000 on a regular basis
• Consults customers, accountants and other contacts regarding credit.
• Prepares documentation for Officer's Loan Committee and Director's Loan Committee.
• Prepares Credit Risk Rating and Global debt coverage's for lenders.

   Compliance (15%)

• Complies with Regulators.
• Continually educates on regulatory issues, including various seminars and schools.
• Learns existing state federal regulatory.
• Reviews loans for compliance with regulators including real estate, retail and commercial.

ADDITIONAL RESPONSIBILITIES OF CREDIT ANALYST

• Maintains accurate department records and any other duties assigned by supervisor.

JOB QUALIFICATIONS OF CREDIT ANALYST

• Bachelor's degree from an accredited college with a concentration in accounting/finance preferred.
• Significant banking and lending experience may substitute for education requirement.
• No less than one year experience in a commercial lending department or credit-related department or credit-related department of a commercial bank or other commercial lender, or four years retail banking and consumer lending experience.
• A demonstrated ability to interact with customers, listen effectively, and to communicate complex issues both orally and in writing.