Job Posting CLOSED
Credit Analyst
Responsible
for analyzing and monitoring the credit worthiness of the bank’s customers.
Analyzes financial statements, tax returns and bank references to evaluate the
financial condition of individuals and businesses applying for credit with the
bank. Recommends credit facilities within the established bank
guidelines. May prepare other asset quality special assets and ALLL reports
Major
Duties & Responsibilities
§
Obtains loan request
information from commercial lender or borrower to analyze credit information,
financial statements and other related information pertaining to the loan.
§
Researches
background documentation and reviews personal and business financial statements
and tax returns. Analyzes financial information and prepares the analysis
for the lender.
§
Requests and
obtains financial statements on existing borrowers.
§
Reviews and
prepares written analysis, spreadsheets, reports, summaries and opinions.
Prepares or assists in the preparation of loan memorandum for presentation to
lenders and/or loan committees.
§
Reviews loan
files to ensure the completeness of the file and that all collateral has been
secured properly.
§
Assists
lenders with calls on past-due loans as assigned by senior management with the
bank’s loan portfolio.
§
Updates
collateral values, as needed on delinquent loans.
§
Sets up
meetings, conferences and conference calls.
§ Complies
with all regulations that apply within the scope of the position, including
BSA, AML, OFAC and CIP.
§ Participates in community events to
keep with the “Team Marine” philosophy and image.
§ Assists in preparation and
completion of special assets, allowance for loan and lease loss and other asset
quality reports.
Education
& Experience
§ Undergraduate
degree in Business/Finance or Accounting.
§ One
to two years accounting, credit analysis or similar experience.
§ Excellent
financial analytical skills with sound judgment and decision making abilities.
§ Excellent
communication skills (both verbal and written).
§ Strong
customer-service skills.
§ Ability
to organize and prioritize to meet deadlines.
§ Excellent
project management skills.
§ Excellent
knowledge of personal/business financial statements and tax returns.
§ Working
knowledge of Microsoft office applications; strong knowledge of Excel and
spreadsheet programs.
§ Excellent
attention to detail.