Credit Analyst I

Job Title :   Credit Analyst I   Department: Credit Operations

Reports To: Banking Officer 

 

Summary:  Supports the lending staff in underwriting Commercial Loans.  Organizes and analyzes financial data to estimate degree of risk involved in extending credit or lending money to firms or individuals by performing the following duties.

 

Essential Duties and Responsibilities include the following.  Other duties may be assigned.
Spread financial data

?  Prepare written risk assessment reports

?  Analyze complex business entities and complex accounting issues

?  Assist lenders with customer meetings

?  Studies economic trends in firm's industry or branch of industry to predict probable success of new customer

 

Supervisory Responsibilities:  No supervisory responsibility

 

Competencies: To perform the job successfully, an individual should demonstrate the following competencies.
Planning/Organizing ? Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Sets goals and objectives; Organizes or schedules other people and their tasks; Develops realistic action plans.

?  Analytical - Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data; Designs work flows and procedures; Generates creative solutions.

?  Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions.

?  Project Management - Develops project plans; Coordinates projects; Communicates changes and progress; Completes projects on time and budget; Manages project team activities.

?  Customer Service - Responds promptly to customer needs; Responds to requests for service and assistance.

?  Oral Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings.

?  Written Communication - Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.

?  Business Acumen - Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.

?  Ethics - Treats people with respect; Works with integrity and ethically; Upholds organizational values.

?  Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time.

?  Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions.

?  Motivation - Sets and achieves challenging goals; Demonstrates persistence and overcomes obstacles.

?  Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Sets goals and objectives; Organizes or schedules other people and their tasks.

?  Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.

?  Quality - Demonstrates accuracy and thoroughness.

?  Quantity - Meets productivity standards; Completes work in timely manner; Strives to increase productivity; Works quickly.

?  Adaptability - Adapts to changes in the work environment; Able to deal with frequent change, delays, or unexpected events.

?  Attendance/Punctuality - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time.

?  Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals; Completes tasks on time or notifies appropriate person with an alternate plan.

 

Qualifications:  Strong communication and organizational skills.  Prefer experience within consumer banking line of business.  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 and/or Experience:

Bachelor's degree (B. A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.  Basic understanding of a balance sheet, income statements, and tax return.  Knowledge of basic accounting principals. 

 

Language Skills:  

Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents.  Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community.  Ability to write speeches and articles for publication that conform to prescribed style and format.  Ability to effectively present information to top management, public groups, and/or boards of directors.

 

Mathematical Skills:

Ability to comprehend and apply principles of advanced calculus, modern algebra, and advanced statistical theory. Ability to work with concepts such as limits, rings, quadratic and differential equations, and proofs of theorems.

 

Reasoning Ability:

Ability to apply principles of logical or scientific thinking to a wide range of intellectual and practical problems.  Ability to deal with nonverbal symbolism (formulas, scientific equations, graphs, musical notes, etc.,) in its most difficult phases.  Ability to deal with a variety of abstract and concrete variables.  Exceptional reasoning ability and common sense.

 

Computer Skills:  To perform this job successfully, an individual should have knowledge of Database software; Internet software; Windows 5.0 Microsoft excel, Word and Outlook. 

 

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 disability to perform the essential functions.

 

 

 

This description is intended to indicate the kinds of tasks and levels of work difficulty that will be required of positions that will be given this title and shall not be construed as declaring what the specific duties and responsibilities of any particular position shall be. It is not intended to limit or in any way modify the right of any supervisor to assign, direct, and control the work of employees under his or her supervision. The use of a particular expression or illustration describing duties shall not be held to exclude other duties not mentioned that are of similar kind or level of difficulty.