Credit Analyst

Job Description

Description/Job Summary

Performs independent analysis for loan requests of the association's largest and most complex borrowers for the purpose of recommending approval, denial, or alternate structures, while noting any deviations from loan policy.


1. Analyzes financial statements (including performance ratios) of all levels of quality to develop initial assessment by identifying strengths and weaknesses pertaining to a borrower's historical operating performance. Independently discusses alternative structures, overall assessments and turnaround requirements with the loan officer regarding their own work Prepares and reviews in-depth written analyses for relationships of all sizes and all levels of complexity, including those that gain the greatest exposure.
2. Assists the manager in managing the distribution of workflow within the unit, monitoring adherence to deadlines. Develops procedures, provides support and training to other credit analysts.
3. Researches industry specific information from outside sources, including conversations with borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet.
4. Attends management loan committees and board committees, as appropriate, to be available to answer questions regarding credit analysis. Participates in customer meetings as requested by loan officers.
5. Mediates between the Credit Department and credit reporting agencies, loan officers and servicing.

Required Qualifications

1. Education and/or experience equivalent to an Bachelor's degree (Master's Degree Preferred) in Finance, Accounting, Business, or Economics.
2. Six to eight years of well-developed credit skills.
3. Knowledgeable in Microsoft Office Suite of products.
4. Excellent organizational and analytical skills.
5. Self-starter and ability to be assertive and arrive at sound business decisions

  • Ability to assume  responsibility without supervision.

  • Exercises initiative and makes decisions within scope of assigned   authority.

  • Adapts to changes in the work environment, manages competing demands and changes approach or method to best fit the situation.

  • Ability to deal with frequent changes, delays or unexpected events

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