Credit Analyst

The responsibilities will include, but will not be limited to:

• Complete spreads on business entities, CRE projects, and individuals to summarize their financial condition, performance, cash flow, trends, projections and risks
• Complete Credit Memorandums for loan approvals incorporating quantitative and qualitative financial analysis and identifying key strengths and credit risks of a proposed credit
• Analyze proposed collateral positions
• Assist Loan Officers in completing reports used by senior management in the loan monitoring and decision making process
• Gather, examine and present information in a concise and meaningful manner and offer thoughts concerning credit-worthiness and loan structure
• Prepare various forms and reports to request external reports (appraisals, environmental assessments) and address internal issues, when needed

Salary Range: $70,000.00 - $115,000.00. Compensation is aligned to experience, skills and education. Position may be eligible for annual bonus depending on officer status. The bank offers a comprehensive benefits package including medical, dental, and vision coverage; paid holidays, vacation, and sick leave; and 401(K) plan. Hours of paid leave may vary based on position.

Requirements

• Bachelor degree in a business related filed is required
• Minimum of 2 years of experience in a credit/financial analyst or underwriting role or other directly related experience
• Experience with completing financial spreads and written credit analysis reports on borrowers and guarantors
• A solid understanding of financial statements and tax returns, including Generally Accepted Accounting Principles
• Proficient with Microsoft Office software
• Experience with Moody's Risk Analyst or Moody's CreditLens strongly preferred