Credit Analyst

Job Description

Summary

Completes analysis using appropriate models including financial spreadsheets, pro-formas, and global cash flows to ensure credit decisions are properly analyzed, documented and the loan requests are in compliance with bank and regulatory policies. Prepares loan write ups and summaries along with recommendations to loan officers and loan committee. Reports to Chief Lending Officer.

Essential Duties & Responsibilities

• Prepare cash flow spreadsheets for individuals and businesses according to their tax returns and financial statements to aid credit analysts in determining credit worthiness.
• Produces quality, uniform and clear annual reviews for the Loan Committee and provides loan management with an emphasis on transparency and exemplifying the true position of the Bank with respect to the credit facility under discussion.
• Maintain a good working knowledge of Heritage Bank’s lending policies, procedures and identify exceptions to loan policy.
• Work with loan officers to anticipate, identify and collect documents needed for efficient and timely approvals on new and existing credits.
• Risk Rate – Analyst will provide a risk rating on all new loan requests and loan renewals.
• Utilize written and oral communication skills to obtain all needed information for any requests/annual reviews that are under discussion.
• Ability to multi-task and work with multiple Commercial Lenders.
• Fulfill other periodic job-related duties which are assigned by management and not already part of this job description.

Qualifications

• 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.

Desired Education, Training, and/or Experience

• Bachelor’s degree in finance, business, or related field; or a high school diploma with two-four years of progressively increasing responsible accounting/banking experience.

Technical Skills Needed

• Knowledge and experience with operating a computer, calculator, and other general office equipment.
• Excellent social and communication skills:
  • Use professional and clear verbal communication skills.
  • High quality writing skills, using accurate word usage, grammar, spelling, and punctuation in all written correspondence.
  • Ability to add, subtract, multiply, and divide, using whole numbers, and decimals.
  • Ability to compute rate, ratio, and percent.
  • Use professional phone etiquette, including tone and volume of voice.

Language Skills

• Ability to read and interpret documents, instructions, and procedure manuals.
• Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization.

Physical Effort Needed

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 disabilities to perform the essential functions.

• Regular, timely attendance during assigned work hours.
• Normal physical strength to handle routine office materials and tools.
• Normal dexterity of hands and fingers.
• Occasional lifting and transporting up to 15 lbs.
• Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Contact Tony Konrade, President/CEO for any further information.