Credit Analyst II

Job Description

Credit Analyst II

Classification: Exempt

Reports to: Credit Risk Manager

Summary/Objective

The Credit Analyst II is responsible for assisting with underwriting new commercial loans and maintaining the health of the existing commercial loan portfolio. Works with more independence than the Credit Analyst I, with primary focus on median and complex loan analysis.

Primary Functions

1. Spreads financial data. Prepares in depth analysis and cash flow shocks based on customer/loan type.
2. Prepares narrative analysis of findings and identifies trends, strengths and weaknesses and makes recommendations.
3. Conducts credit investigations as requested using 3rd party and other resources and conducts collateral evaluations and audits.
4. Assists in managing financial expiring documentation.
5. Monitors borrowing base and other loan covenants.

Secondary Functions

1. Participates, with account officers, on customer and prospect calls when necessary.
2. Assists in "special projects" as needed.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Supervisory Responsibility

This position has no supervisory responsibilities.

Work Environment

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.

Physical Demands

1. Prolonged periods working at a desk

Position Type/Expected Hours of Work

This is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5:00 p.m. Evening and weekend work may be required as job duties demand.

Travel

Minimal travel is expected for this position.

Required Education and Experience

1. High School Graduate or GED.
2. Proficiency in computer applications, Word and Excel.
3. Credit analyst experience.
4. Excellent written and verbal communication skills.

Preferred Education and Experience

1. Bachelor's Degree or 4 years of related experience.
2. Knowledge of bank operations and control systems.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.