Role OverviewThe Credit Analyst I is responsible for conducting in-depth industry and financial analysis of existing and potential borrowers. This job works cooperatively to support the Lending and Credit functions of the Bank. Responsible for basic financial analysis of less complex loans/industries/Customers. Work reviewed and monitored by lead staff. Basic understanding of loan risk factors.
What You Will Do
Perform underwriting analysis of Borrower's character, credit worthiness and financial condition. Analyze financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk.
Why It Might Be a Fit
Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition. Supports the lending function by providing analytical support.
Requirements
- 4 year degree or equivalent experience
- 1+ years related experience preferred
- Basic knowledge of credit and financial analysis techniques
- Strong oral and written communication skills
- Strong analytical and research skills
- Developed PC skills including proficiency and capability in word processing and spreadsheet software
- Ability to meet deadlines
- Ability to maintain the confidentiality of credit and Customer information
- Good interpersonal skills and team orientation
Benefits
- base salary
- variable compensation/incentive awards
- health and well-being benefits
- savings and retirement programs
- paid time off (including Vacation PTO, Flex PTO, and Holiday PTO)
- banking benefits and discounts
- career development
- reward and recognition
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