CREDIT ANALYST

GENERAL SUMMARY:

Analyze and prepare credit requests for review by originating lender and/or appropriate loan committee via bank’s loan processing software; understand all aspects of the Sageworks or File Xsoftware; assist other staff members with Sageworks or File X, as necessary; and ensure adequacy of bank’s collateral position via review and audit of reports prepared by lenders and borrowers.

RESPONSIBILITIES AND DUTIES:

• Prepares complete and concise financial analyses by obtaining necessary information from the lender. Financial analyses will focus on financial trends and repayment capacity of obligors. These duties include but are not limited to analysis & interpretation of financial statements, evaluation of the financial condition of the borrower relative to the industry, economy, collateral, capacity, trends, and performance of the borrower.
• Attends loan committee meetings, as necessary, to assist in the presentation and clarification of credit requests.
• Conducts credit inquiries requested by loan officers and any additional inquiries deemed necessary for thorough analysis. May order and review loan documents for a closing.
• Assists with Sageworks or File X inquiries as necessary.
• Some analyst positions ensure adequacy of bank’s collateral position by monitoring construction draw requests/inspections, borrowing base certificates/inspections, and livestock inspections. Audit of specific collateral reports may be required to ensure accuracy.
• May participates in asset reviews as requested, including real estate inspections and any other on-site inspections deemed necessary.
• Maintains strict confidentiality of credit information.
• Performs other duties as assigned.
• Regular and reliable attendance.

KNOWLEDGE, SKILLS, AND ABILITIES:

• Knowledge of bank operations, policies, and procedures.
• Knowledge of loan analysis and accounting.
• Knowledge of loan analysis software and Sageworks software
• Skill in communicating effectively with management, customers, and co-workers.
• Ability to pay close attention to detail and work with a high degree of accuracy.
• Ability to create an organized efficient work environment without supervision.
• Ability to work under pressure of deadlines.
• Ability to function as a team player.

EDUCATION AND EXPERIENCE:

• High School diploma or equivalent experience in banking.
• College degree in business, finance, economics or accounting preferred.

PHYSICAL REQUIREMENTS:

NOTE: The statements herein are intended to describe the general nature and level or work being performed by employees assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills, required of personnel.