DescriptionRESPONSIBILITIES- Accurately prepare loan requests and loan renewal write-ups; including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacity- Complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements- Accurately spread financial statements and tax returns and analyze historical performance- Assist in the preparation of annual reviews of existing clients upon receipt of updated financial information- Monitor financial statement requirements, loan covenants, and borrowing base certificates and communicate findings to lender and manager. Prepare pertinent reports, tracking financial information and receipt thereof.- Participate in identifying, measuring, monitoring, controlling, and mitigating credit risk of the commercial loan portfolio- Obtain, analyze, and incorporate third-party borrower information (e.g., credit reports, costar, RMA)- Accompany Commercial Lenders on calls and inspections, and assist with presenting loan requests to approvers as needed- Assist in loan review cycle and with classified asset reporting- Attend and participate in department meetings as necessary- Maintain orderly and up to date credit files- Maintain ownership for all accepted tasks- Take a proactive approach to learning and career development- Understand and promote the bank's credit culture and credit policies- Maintain awareness of and adherence to Bank's compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks- Deliver a consistent, high level of service within our Serving More standards- Other duties as assignedCOMPETENCIES- Interpersonal/Customer Service Skills- Written and Verbal Communication- Ability to understand and follow directions- Adaptable to change- Basic Computer Skills- Organizational Skills/Detail Oriented- Analytical Thinking- Problem/Situation Analysis- Ability to influence others- Ability to work as part of a team- Interpersonal/Customer Service Skills- Written and Verbal Communication- Ability to understand and follow directions- Adaptable to change- Basic Computer Skills- Organizational Skills/Detail Oriented- Analytical Thinking- Problem/Situation Analysis- Ability to influence others- Ability to work as part of a teamSCHEDULEOffice hours are Monday through Friday 8am to 5pm. This position is hourly and full time. A minimum 37.5 hours is required to maintain eligibility for full-time status. Generally the position will require 40+ hours per week.A flexible work arrangement is available for this position. The position will require some scheduled onsite hours. Please speak to the hiring manager for more information.EDUCATION - CERTIFICATIONS - WORK EXPERIENCEBA/BS, Business Management requiredBA/BS, Finance / Accounting or other concentrations considered with 2+ years relevant experienceEqual Opportunity EmployerThis employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the [Know Your Rights](
Job Title
Scope Credit Analyst I