Credit Analyst

GENERAL DESCRIPTION OF POSITION

The Credit Analyst performs financial based analysis of credits which is used by the bank to assess risk, underwrite, and monitor existing credits to entities or individuals.

• Create financial spreads within the bank lending operating system (nCino) using financial statements to find and review trends.
• Prepare reports designed to quantify borrowers' personal, global, and real estate cash flows on an accurate and timely basis as assigned by their manager or other designated CA leader.
• Verify accuracy of customers' borrowing base certificates for assets such as accounts receivable, inventory, and marketable securities.
• Calculate financial ratios and monitor for compliance in accordance with customers' loan agreements regarding frequency and definitions of ratios or eligible collateral.
• Perform all necessary actions to update the tracking process for borrowing base certificates, financial ratio covenants, and annual reviews.
• Prepare industry or market specific reports using internal and/or external data to assist in the analysis of individual loan or portfolio level analysis as needed at direction of CA manager.
• Create credit memos and annual reviews, as defined in current department procedures.
• The ability to work in a constant state of alertness and in a safe manner.
• Complete required BSA/AML training and other compliance training as assigned.
• Perform any other related duties as required or assigned.

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 2 years related experience and/or training, and 19 to 23 months related management experience, or equivalent combination of education and experience.

Ability to read, analyze, and understand general business/company related articles and professional journals; ability to speak effectively before groups of customers or employees; ability to write reports, business correspondence, and policy/procedure manuals; ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public; ability to read, analyze, and understand common scientific and technical journals, financial reports, and legal documents;

ability to respond to complex or difficult inquiries or complaints from customers, regulatory agencies, or members of the business community.

Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane, algebra, solid geometry and trigonometry.

Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

Advanced: 10-Key, Accounting, Spreadsheet, Word Processing/Typing

Intermediate:
Alphanumeric Data Entry

Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities may include but are not limited to interviewing, hiring and training employees; planning, assigning and directing work; appraising performance, rewarding and disciplining employees; addressing complaints and resolving problems.

Supervises a small group (1-3) of employees in the same or lower classification. Assigns and checks work; assists and instructs as required, but performs same work as those supervised, or closely related work, most of the time. Content of the work supervised is of non‑technical nature and does not vary in complexity to any great degree.

Periodically exposed to such elements as noise, intermittent standing, walking, pushing, carrying, or lifting; none are present to the extent of…