Junior Credit Analyst

Overview

Job Title:

Junior Credit Analyst

Department:
Credit

Reports To:

Senior Credit Officer

FLSA Status:
Non-Exempt

Summary:

Responsible for maintaining and reviewing credit files in the Center Doc system, preparing various departmental reports and minutes and other administrative tasks. Prepares credit analysis for assigned relationships including annual credit review memorandums, credit commitments for review by the loan committee and memorandums by performing the duties listed below. This is an on-site/in-office position and is not eligible for relocation reimbursement.

• Assists with the coordination of weekly loan committee meetings by preparing PowerPoint presentations, preparing packets for review by the loan committee and loading the presentation on board portal.
• Responsible for the maintenance of credit files, including scanning and indexing of new and existing files, updating financial ticklers and filing updated financial information in a timely manner.
• Responsible for assisting with processing for the Business Manager loan product.
• Assists with the preparation of the loan committee minutes when required.
• Maintains the loan committee minute books by having the approved minutes signed by an authorized bank officer, placing the minutes in the books and ordering the appropriate book on an annual basis.
• Assists in the preparation of various weekly, monthly and quarterly reports as assigned including the borrowing base certificate report, the new and renewed loans reports, home equity analysis report, the funding report, the pending report and any other reports deemed appropriate.
• Responsible for the annual completion of RMA statement studies data submission forms to satisfactorily meet the goals set by RMA.
• Assists with loan servicing as needed.
• Completes all financial analysis reviews as assigned and reports results to the appropriate lending officer or department supervisor.
• Obtains financial information to prepare credit proposals and perform analysis related to a borrower's repayment ability, collateral position, capital structure, and overall solvency.
• Examines files systematically for adequacy of credit or deficiencies, reports results to the appropriate lending officer as requested and prepares financial request letters or emails based on the identified deficiencies.
• Prepares written analysis on all large loans, aggregate loan relationships and complex loans.
• Assists in the preparation of loan rating reviews, watch list presentations, loan loss reserve reviews and exception reports.
• Researches critical issues and outside forces that could impact existing credit relationships and new loan proposals.
• Assists in the preparation of real estate evaluations on residential real estate.
• Monitors maturing and matured loan reports for opportunities to assist loan officers.
• Responsible for joining relationship managers on client calls and meetings when financial analysis requires additional data or answers.
• Assists external auditors with their examination and maintains ongoing communication to increase efficiency.
• Responsible for assisting management with the preparation of responses to examination reports.
• Responsible for being knowledgeable with regard to various credit enhancement programs such as the Small Business Administration and Business Development Fund programs.
• Assists bank management with issues that arise with other real estate owned.
• Maintains technical knowledge and skills by reading regulatory materials and banking publications and attending seminars or other job related courses.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and…