Credit Analyst II

SUMMARY:

The position of Credit Analyst II is responsible for reviewing financial information taken from the lending officers and making sure that the cash flows and credit package are developed correctly; assists loan officers in determining if additional information is needed; and organizes the information in a specific format to be given to the Credit Officer for review for approval consideration. In addition, the Analyst is responsible for providing package preparation guidance to junior analysts and lending officers and supporting the training efforts of the bank in this area. Able to analyze complex borrower and loan structures, consolidate financial information across a number of related borrowing entities and present a summary of financial analysis in an organized and comprehensive package.

ESSENTIAL FUNCTIONS:

• Assists loan officers in performing pre-qualifications assessment and analysis of financial condition and risk of requests within the framework of Bank credit culture and current economic and industries trends.
• Assists in preparing spreadsheets and analysis of financial information including financial statements and tax returns.
• Provides the spreading of financial information to the Regional Credit Officer for review.
• Conducts industry peer comparisons, performs cash flow analyses and other such tasks and comparisons.
• Develops knowledge of financial industry, economy, market conditions, rates and competition.
• Prepares a written underwriting package for new larger loans or where the obligor or relationship is considered complex or as required by the Regional Credit Officer.
• Uses Moody’s Financial Analyst as analytical tool.
• Reinforces the application of superior customer service through his or her own example along with appropriate follow through with employees.
• Operates computer terminal or personal computer to obtain and process data, do credit research or portfolio analysis.
• Answers telephones, answers questions from lending officers.
• Performs duties specific to the position and other functions as assigned.
• Assists with on-going computerization of the loan review function.
• Assists in training sessions for the lending officers when needed.
• Assists in maintaining the portfolio of loans where an individual borrower’s total loan exposure is $1,000,000 or greater in the aggregate. This consists of working with the lending officers to make sure that all documentation is in file, that financial information is current, and any other items that may be required by the Regional Credit Officer.

• Completes annual compliance courses.
• Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act.
• Adheres to all levels of our Service Excellence standards.
• Performs other duties as required.

GENERAL QUALIFICATIONS:

Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines.

• College degree in Business Administration, Accounting or Economics or related area with 3-5 years professional experience in the areas of financial analysis, loan origination and underwriting.
• Work related experience should include direct experience in financial analysis, financial ratio and industry analysis and a comprehensive level of branch operations, loan structuring and underwriting to include credit package preparation and memo writing for complex borrowing structures. Requires a working knowledge of loan structures for Commercial Real Estate, Commercial and Industrial and Asset Based Lending transactions and the lending concepts and structures customary and unique to each of these lending products.
• Working knowledge of complex borrower organizational structures and consolidated or consolidating financial statement presentations and financial ratio analysis to assist in developing global cash flow presentations and analysis of repayment capacity.

Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver’s license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment.

Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations’ environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations’ situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Strong organizational skills required.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.