Assistant Credit Analyst Jobs (NOW HIRING)

Promote, market and facilitate the overall sale of products of the bank. Contribute to the bank's growth by the effective sale of bank services to new and existing customers with emphasis on courteous and professional service.
FLSA STATUS
This position is classified as Exempt under the Administrative Exemption of the FLSA.
OVERVIEW
? Gather financial information and perform an analytical review and grading of new and existing loan relationships within the Bank's loan portfolio. Prepare presentations of financial information in a format that is conducive to loan policy and underwriting procedures in accordance with safe and sound bank practices and regulatory rules and laws. Spread financial statements and prepare financial analysis with grading for all loan presentations presented to the ELC, DLC, to assist loan review and as requested by Management. Perform loan monitoring, in accordance with the bank's lending policies. Determine compliance on loan relationships with loan policy, appropriateness of loan grade, and risk in the loan portfolio.
? Assist with managing, monitoring, and tracking the administrative process on collection activities pertaining to Charge off DDA/Loans and Foreclosures, including any outstanding judgements pertaining to those files.
ESSENTIAL JOB FUNCTIONS
? Assist Collections Officer with the following duties:
o Establishing repayment plans any outstanding overdrawn or charged-off loan accounts
o Call delinquent loans and overdrawn checking accounts to establish a repayment plan
o Monitor and report on recovery transaction repayment plans and take necessary actions when plans are not followed, including sending demand letters and other necessary actions for collection
o Work with banks counsel to provide requested documents and information needed for legal matters
o Monitor and manage the administrative processes for charging off on DDA and Loan accounts, judgments, bankruptcies, lawsuits and other legal matters pertaining to collection efforts.
o Monitor and manage the administrative processes for repossessing and foreclosing on collateral.
o Develop, recommend, and execute workout or liquidation plans including acquisition, management and sale of Repossessed Assets and OREO
o Prepare OREO Board Reports and other reports as needed for monthly meetings.
o Track, report, and monitor monthly account reconciliations on assigned accounts including all expense and income related to foreclosed property, repossessed collateral, and legal judgments.
o Establish and monitor ticklers report to ensure proper tracking.
o Ensure that sufficient insurance coverage is in place on all OREO/Repossessed assets in a timely basis
o Research loan documentation and other loan/DDA related issues on problem accounts.
? Responsible for analysis and production of credit analysis.
? Responsible for reviewing and ensuring the accuracy and completeness of loan analysis and summaries prepared by loan officers for presentation to the board.
? Perform assigned task in accordance with underwriting procedures.
? Perform regular financial analysis on pending loan requests to include:
? Spreads of borrower's balance sheets, income statements, and tax returns to facilitate credit analysis.
? Prepare cash flow and debt service analysis schedules to facilitate credit analysis.
? Identifies strengths and weaknesses associated with credit requests and subsequent analysis and make recommendations.
? Informs loan officer of: credit quality, information lacking to complete files, of any necessary financial history of deterioration, etc.
? Checks credit tracking for exceptions with financial data that is submitted and passes along information with loan request to loan processors to help create efficiencies.
? Approve loans under lending authority; recommend to committee for qualified commercial and consumer borrowers.
? Perform loan monitoring duties for the bank to include:
? Extraction of financial information from the bank's core processing systems.
? Location and extraction of loan documentation from the banks document-imaging system.
? Spread customers' balance sheets and income statements, review tax returns, and prepare cash flow and debt service analysis schedules.
? Review the customer's financial information.
? Track financial requirements on loan relationships and other covenants identified in credit approval/loan agreements.
? Identify and report on policy exceptions and guideline variations.
? Reports to Management on the appropriate risk associated with customer loan relationships.
? Assist in the determination that the risk in the loan portfolio is properly identified.
? Monitor loans in process for compliance with all applicable regulations.
? Perform review of daily cuts ensuring assigned bankers have completed their reviews and that changes made are in accordance with authority levels and established procedures/guidelines.
? Assist in the preparation of loan reports for Board Meetings and DLC meetings.
? Assist with training of new lenders and credit analysts.
? Assist Central Credit Administration and Management.
? Attend all meetings and complete all training required to ensure regulatory compliance.
? Comply with all applicable Federal and State regulations and guidance associated with the performance of your job function.
? Comply with all applicable BSA/AML/OFAC policies and procedures associated with the performance of your job function, including participation in required training and identifications of suspicious activity.
? Responsible for making suggestions to improve branch/departmental operations and overall bank.
? Perform other duties and assignments within the bank at Management's request; accept any cross-training as directed by Management, works in other branches if needed.

EQUIPMENT USE, PHYSICAL & MENTAL DEMANDS, AND WORKING CONDITIONS

Frequency: (R) Rarely 0-15%; (O) Occasionally (16-45%); (F) Frequently (46-100%)

EQUIPMENT USE

Telephones-F

Copier/Fax Machine-F

Computer-F

Coin Machine-F

Cash Dispensing Machine-F

Bill Counter-F

Teller Drawer/Tower-F

Drive-thru Tubes/Commercial Lane Drawer-F

ATMs/ITMs-O

PHYSICAL & MENTAL DEMANDS

Light to Medium work-Exerting up to 50 pounds of force occasionally, and/or up to 10 pounds of force frequently to lift, carry, push, pull or otherwise move objects, including the human body.

Stooping/Crouching-O

Standing/Walking-F

Sitting-F

Pushing/Pulling/Lifting-O

Fingering/Grasping-F

Repetitive Motions-F

Talking/Hearing-F

Reading/Writing-F

Close Visual Acuity-worker is required to perform such tasks as preparing and analyzing data and figures, transcribing, or viewing a computer terminal.

Interpreting Data-F

Problem Solving-F

Making Decisions-F

Organizing-F

WORKING CONDITIONS

Worker is subject to inside environmental conditions; protection from weather conditions but not necessarily from temperature changes-F

Worker is subject to outside environmental conditions when working with ATMs/ITMs or when traveling to branches/departments, bank events or required bank meetings and training sessions -O

Worker is subject to local travel as required when working with ATMs/ITMs or when traveling to branches/departments, bank events, or required bank meetings and training sessions -O

The above statements describe the general nature and level of work being performed. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of the position. Employees holding this position will be required to perform any other job-related duties as requested by management. All requirements are subject to possible modification to reasonably accommodate individuals with a disability.  If you are an individual with a disability and would like to request a reasonable accommodation as part of the employment selection process, please contact Recruiter at 940-686-7087.  PointBank is an Equal Opportunity Employer of minorities, women, veterans and disabled.