Credit Analyst

Position Summary:

The Credit Analyst's primary function will be to provide credit analysis assistance to the lenders. This position will monitor incoming financial statements for covenant requirements. The Credit Analyst will perform collateral audits, accounts receivable analysis, and borrowing base certificate reviews. This position is responsible for developing and maintaining knowledge of all loan-related regulations and internal compliance procedures. The Credit Analyst must perform all job responsibilities according to compliance requirements.

The level of this position is based on years of service, education and/or equivalent experience, knowledge level and skill set.

Essential Functions:

To perform this job successfully, an individual must be able to perform each Essential Function and Skill satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

• Spread financial statements as requested; while maintaining a working knowledge of lending software, to provide overall support and assistance to Lending staff in the financial analysis process. • Conduct industry research and locate resource material for peer comparison. • Review incoming financial statements. Update and/or complete financial spreads and covenant monitoring spreadsheets to be forwarded to the appropriate Lending staff. • Review and assist in negotiating loan agreements and ancillary documents related to transaction closing. • Complete an analysis of accounts receivable aging and borrowing base certificates received from borrowers. • Update the customer information system with current availability information. • Understand the clients' needs and identify potential cross-selling opportunities for other Bank products and services. • Perform collateral audits, as requested. • Provide written financial statement analysis for credit presentations, file comments and annual reviews. Maintain the report of review due and work with lenders to keep comments current. • Monitor and report on specialized portfolios. • Perform an annual review of loan portfolios and report findings to appropriate lenders. Provide management report of outstanding issues. • Complete periodic reviews of file quality for participation portfolio. • Communicate security valuations deficiencies with lenders and perform any follow up action requested. Provide a summary of actions to supervisor. • Perform duties in accordance with company policies and procedures, as well as Federal and State Regulations and Laws. • Excellent written and verbal communication skills. • Ability to multitask. • Ability to prioritize workload. • Assist co-workers as needed. • All employees are expected to exemplify and follow our core values. • Regular attendance and punctuality when reporting to work. • Travel for trade and industry schools and seminars as needed. • This position may require installation of a Multi-Factor Authentication (MFA) app on an employee's personal mobile device. THE MFA apps are used to authenticate a user's identity to the system for security purposes. • Adhere to and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to BSA/AML, as well as adhere to the Bank's policies and procedures. • Perform other duties as assigned and requested.
Core Values

Humility - We are "blue-collar bankers". We are relatable, down-to-earth people who greet our smallest customer the same way we greet our largest.

Respectful, Genuine Care for Others - We care about each other, we care about our customers, and we care about our communities.

Finds A Way - This simply put, is nothing more than attitude. It's a can-do spirit, a desire to help, to contribute, to go above and beyond, and to make a difference.

Effort - We expect a lot of ourselves and hold ourselves to a high standard. We are not entitled, and we need to earn it from our customers and each other every day.

Owning-It - Owning-It or Accountability is a big word that can encompass a great many things. For Citizens Alliance Bank, it's about ownership. When an employee says they will do something, they follow through and get it done.

Education and Experience:

Required - High School diploma or GED, etc.

Required - Continuing Education to maintain job knowledge.

Preferred - One to three years of banking experience.

Preferred - One to three years of Financial or Credit Analyst experience.

Preferred - Proficiency in Microsoft Suites.

Citizens Alliance Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual preference or orientation, gender identity, gender expression, national origin, disability, veteran status and all other protected classes.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

Citizens Alliance Bank

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