Credit Analyst II

Position Overview

Analyzes credit information and conducts credit investigations related to lending to establish the financial condition of potential borrowers. Prepares spreadsheets, reports, summaries and opinions for use by loan officers, senior management or loan committees. Consistently delivers an experience that leaves customers with a positive emotional impression of the bank, its employees and products & services. Consistently delivers an experience that leaves customers with a positive emotional impression of the bank, its employees and products & services. Responds to sales opportunities using the delivered sales presentation model.

Primary Duties

• Analyzes loan data on new, renewal and existing residential and commercial loans, including data provided by credit bureaus, other financial institutions and financial institution files.
• Prepares spread sheets, reports, summaries, opinions and loan presentations for financial institution officers on new, renewal and existing residential loans and commercial loans.
• Performs credit inquiries for the financial institution as requested.
• Establishes reviews and updates new and existing residential and commercial loan files for the financial institution on a regular basis.
• Provides technical advice and assistance to loan officers as needed.
• The Credit Analyst II is responsible for analyzing commercial loan requests, recommending appropriate risk ratings, and providing recommendations with regard to loan structure and pricing. This position works with complex and specialty relationships, many over $1,500,000 in exposure.
• Identify credit strengths, weaknesses, and mitigating factors
• Meet or exceed established service level expectations for turnaround times
• Assist lenders by participating in business calls for complex credits with customers or prospects
• Maintain a working knowledge of macroeconomic issues in local markets and regional industries
• Compete annual file reviews over $300,000 in exposure
• Attend and participate in loan committee
• Be the backup for month-end reporting requirements.
• Responsible for “Driving” DLC meeting via MX Meeting
• Bachelor’s degree: Preferably in business, finance or related field.
• Good financial analytical abilities.
• Experience with Microsoft Excel and excellent computer skills.
  
  

Requirements

• 3 years of related experience within risk management, with a strong understanding of financial statements
• Demonstrated problem-solving skills; can identify the root cause of an issue or concern
• Demonstrated multitasking and prioritization skills; Solid time management skills
• Attention to detail
• Excellent analytical skills
• Strong verbal and written communications skills; is able to communicate in a professional manner with individuals from a variety of backgrounds