Job Details
Qualifications
- Communication skills
- Microsoft Excel
- Microsoft Word
Benefits
- 401(k)
- 401(k) matching
- Dental insurance
- Health insurance
- Paid time off
Job Description
Position Summary:
A Credit Analyst typically has less than two years experience and at the time of hire, may not have been credit-trained at all. A good candidate would include someone with 1-2 years business experience or a recent college graduate with skills adaptable to the position. For a recent college graduate, some business courses, including Accounting, would be beneficial.
Ultimately, a Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; assisting in determining the advisability of granting credit for diversified types of loans; assists loan officers as well as junior credit analysts in writing loan presentations for approval; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services when applicable.
Both on-the-job training and periodic off-site training will be available.
Duties & Responsibilities:
· Preparing financial statement spreads and assisting with maintenance of credit and documentation files.
· Underwriting new loan business, annual reviews, as well as renewals/modifications.
· Majority of work will be commercial in nature (versus consumer).
· Attend customer calls / meetings when appropriate with Relationship Managers.
· Play a role in the loan decision making process.
· Assist with the coordination of loan portfolio reviews, audits and regulatory reviews.
· Assist with oversight of the credit function (reporting, stress testing, covenant testing, credit file maintenance, etc)
Other:
· Good verbal and written communication skills are a must.
· Should have adequate familiarity with MS Word and Excel.
First Bank is an EEO/AA Employer, M/F-Disabled-Veteran and LGBTQ+ can apply to our company for employment opportunities.
Job Type: Full-time
Pay: From $50,000.00 per year
Benefits:
- 401(k)
- 401(k) matching
- Dental insurance
- Health insurance
- Paid time off
- Vision insurance
Schedule:
- Monday to Friday
Work Location: In person