Credit Analyst

RESPONSIBILITIES:

Responsible for providing analytical services relating to the lending activities of the institution; analyzing financial statements and other relevant data and making recommendations with respect to credit worthiness. Assist with reviewing appraisals.

REQUIRED EDUCATION, TRAINING, ETC.

A Bachelor’s degree in Finance, Accounting or other related field, or a high school diploma with a minimum of three (3) years accounting related experience, must possess strong analytical skills, organized work habits and good interpersonal and communication skills.
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Duties include, but are not limited, to the following:

• Conduct credit investigations and analyze credit information pertaining to loans;
• Investigate all available sources of credit and financial information;
• Analyze financial statements and related material;
• Prepare presentations for loan committee and/or Board of Directors;
• Prepare various reports for commercial lenders as needed;
• Ensure current financial statements are received in a timely manner.
• Order and review appraisals, and authorize payment;
• Make recommendations to your supervisor regarding adding and removing appraisers;
• Assist with gathering relevant financial information from various sources pertaining to a loan request;
• Make recommendations to supervisor regarding revisions to the Loan Policy;
• Ensure that the procedure manual for the department is kept current;
• Make recommendations to supervisor about possible methods to improve the

department;

• Participate in community affairs to increase the bank's visibility and to enhance new business opportunities;
• Assume additional responsibilities as directed.

PHYSICAL REQUIREMENTS:

In addition to conducting business in an office environment, the Credit Analyst must be able to reach, pull, lift and carry.