Credit Analyst

About this role

• **JOB SUMMARY:** The Credit Analyst works with our Commercial Lenders and Business Bankers to serve the needs of our commercial clients.
• This individual will work with our Commercial Lenders to manage existing commercial clients and develop new relationships.
• A key part of the Commercial Lending Team, the credit analyst helps usher loan requests through the approval process.
• **PRIMARY DUTIES:** 1.
• Analyzing financial reports, business plans, projections, and industry reports to understand customer/prospect creditworthiness.
• Preparing written narratives describing borrowers' current financial condition and future outlook.
• Assisting lenders with daily credit monitoring tasks and monthly credit review.
• Reviewing covenant compliance for all commercial borrowers.
• Completing annual reviews on borrowing customers and reviewing ACH/ETL limits.
• Reviewing credit proposals for loan committee for accuracy and for continuing education.
• Accompanying lenders on customer/prospect visits to improve credit analysis understanding and to learn business development techniques.
• **SKILLS REQUIRED:** * Bachelor's degree in business, Business Administration, Finance or Accounting is required.
• * Knowledge and experience in banking, financial analysis, or a related field is required.
• * Working understanding of accounting concepts and how they apply to businesses is required.
• **PREFERRED QUALIFICATIONS:** * 1-3 years of financial analysis or banking is preferred.
• * Confidence and competency in oral and written presentation is preferred.
• * A quick learner with the ability to self-direct on important tasks with little to no direction is preferred.
• * Excellent computer skills including, MS Word, Excel, and PowerPoint.
• \*\*This position is NOT remote and requires the employee to work onsite.

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