Department:
Credit Department
Reports To:
AVP/Credit Manager
Supervises:
None
Last Updated:
12.
14.
2021
Summary:
Analyze credit data and financial statements to evaluate the financial condition and degree of risk involved in extending credit or lending money to individuals and businesses.
Prepare reports with credit information for use in decision making.
Major duties & responsibilities:
Obtain information and analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
Analyze and report on loan data provided by credit bureaus, financial records, and other financial institutions in regard to new, renewing, and existing borrowers/loans
Generate financial ratios to evaluate customers’ financial status
Consult with customers to resolve complaints and verify financial and credit transactions
Review and prepare written analyses, spreadsheets, reports, summaries, and opinions and prepare or assist in the preparation of loan memorandum for presentation to lenders and/or loan committees
Maintain the commercial financial information loan files
Perform commercial loan collateral/floor plan audits
Perform internal small business loan audits of documentation and officer risk ratings
Monitor loan covenants
Monitor borrowing base and stock secured margins on selected commercial loans
Understand and follow bank/department regulations, policies, and procedures, and participate in all compliance-related training
Perform other duties as assigned and/or necessary
Education & Experience:
Bachelor’s degree in business, accounting, finance, or related field; or equivalent combination of education and experience
Some Commercial banking experience preferred
REQUIRED KNOWLEDGE, SKILLS, & ABILITIES
Motivated self-starter with strong organizational and project management skills and the ability to work independently and set priorities
Strong verbal and written communication skills
Strong attention to detail
Strong analytical and problem-solving skills
Proficient in the use of Microsoft Word and Excel
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