SKILLS
Expertise in financial statement and tax return analysis.
In-depth knowledge of state and federal lending regulations and bank lending policies.
Strong aptitude for advanced math and financial analysis.
Excellent organizational and time management skills in a fast-paced environment.
Effective problem-solving skills and attention to detail.
Leadership qualities and the ability to build strong team relationships.
Strong communication skills, both verbal and written, with a focus on delivering clear and concise reports.
QUALIFICATIONS
Credit Analyst I:
Bachelor’s degree (BA) or equivalent with 2 years of directly related work experience; or Associate degree (AS) or equivalent with 4 years of directly related work experience; or 4 years of directly related work experience with additional banking education through in-house training or financial industry curriculum.
At least 2 years of experience in performing credit reviews, focusing on less complex loan requests, with the ability to work independently.
Strong knowledge of bank lending policies and terminology.
Credit Analyst II:
Meets qualifications of Credit Analyst I.
At least 3 years of experience performing and leading some complex credit reviews, including multi-borrower and guarantor loans, new customers, construction loans, and SBA 504 loans.
Assists with loan reporting to the Board of Directors, including but not limited to: Reg O, TLMs, HVCRE loans, capitalization of interest, and portfolio concentrations.
Embraces behavior standards and serves as a resource across departments.
Credit Analyst III:
Meets qualifications of Credit Analyst II.
At least 5 years of experience performing and leading complex credit reviews, including multi-borrowers and guarantors, new customers, construction loans, and all government-guaranteed loans.
Assists with the training and orientation of new hires in the credit department.
Provides input into the development of policies, practices, and procedures, consistently demonstrating leadership and expertise.
Role model behavior standards.
ADA:
The incumbent is a position that requires sitting, standing, bending, and walking requirements. The incumbent must be able to accommodate detailed work, problem solving, customer contact, math, language, verbal and written communications, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions. Reasonable accommodations may be made to enable individuals with disabilities to perform the primary responsibilities.
WORKING CONDITIONS
This position is located in an office environment with artificial lighting and controlled heating/air conditioning. The position includes prolonged periods of working on a computer and repeating motions that may include the wrists, hands and/or fingers. The incumbent needs to occasionally move about inside the office to access file cabinets, office machinery, etc.
