Credit Analyst
The Credit Analyst prepares and analyses spreadsheets of borrower financial information. Prepare a written analysis of the strengths and weaknesses of the credit and grade the credit per established standards. Complete periodic reviews of existing credits to determine ongoing credit worthiness and re-grade credits periodically to established policies and procedures.
ESSENTIAL DUTIES AND RESPONSIBILITIES
• Regular onsite attendance at either our Corporate Headquarters in Andover, Ohio or our Loan Production office in Stow.
• Ability to work well with others in a team environment
• Provides accurate, efficient and exceptional customer service to both internal and external customers
• Maintains knowledge of bank regulations, security and compliance responsibilities, products, policies, procedures and meets deadlines
• Satisfactorily completes all training required for the position
• Prepares communications and reports for the Board of Directors, Executive Management and Bank staff
• Prepares for audits and examinations
• Prepares and maintains the list of "Watched" credits per policy procedure
• Follows all security, audit and confidential procedures
• Directs, coordinates and monitors activities to implement the institution's loan policies, procedures and practices
• Meets or exceeds productivity standards
• Other duties as assigned
SUPERVISORY RESPONSIBILITIES - This job has no supervisory responsibilities
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty 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 the essential functions.
EDUCATION/EXPERIENCE
Associate's Degree or higher in Business Management, Accounting or Finance or commensurate experience. Previous credit underwriting experience preferred.
LANGUAGE SKILLS
Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence and procedure manuals. Ability to effectively present information and respond to questions from groups, internal and external customers and the general public.
MATHEMATICAL SKILLS
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio and percent and to draw and interpret bar graphs.
REASONING ABILITY
Ability to apply common sense understanding to carry out detailed written or oral instructions. Must exercise independent judgement and discretion. Ability to deal with problems involving several concrete variables in standardized situations.
OTHER QUALIFICATIONS
Must be able to work independently. Strong organizational, analytical and communication skills. Computer Skills: Proficient computer skills; must have a demonstrated working knowledge of Microsoft Excel and Word. Must be able to learn other related software programs.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle; reach with hands and arms; and talk or hear. The employee is occasionally required to stand; walk; or climb; and stoop, kneel or crouch. The employee must regularly lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus
WORKING ENVIRONMENT/CONDITIONS
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
No hazardous or significantly unpleasant conditions (such as a typical office)
Noise level is usually quiet.
