Credit Analyst (45926)

Calling all Credit Analysts looking for a new opportunity! The primary purpose of this position is to analyze and evaluate the creditworthiness of commercial and consumer loan applicants. The Credit Analyst also conducts in-depth reviews of financial statements, tax returns, and other documents to determine applicants' financial condition, cash flow, credit history, and debt serviceability. Interested in this locally focused company? Apply now! 

Work model: 

• On-Site

What you will do:

• Determine creditworthiness and risk by analyzing financial statements and credit reports of loan applicants
• Review loan applications and supporting documentation
• Prepare loan write-ups summarizing credit analyses and recommending approval or denial of loan requests
• Present credit analysis findings and make recommendations for action
• Monitor existing loan portfolios and borrowers' financial condition
• Identify early signs of loan deterioration and risk downgrades and recommend action
• Ensure lending activities comply with bank credit policy and lending regulations
• Build and maintain relationships with clients 
• Prepare reports for senior management and board on lending activities, portfolio quality, and credit trends
• Assess credit policy and procedures and recommend improvements
• Maintain knowledge of lending markets, industry trends, and economic conditions affecting clients
• Answer client questions about active loans
• Process in-house loans
• Calculate debt service coverage ratios, loan-to-value ratios, and other financial ratios used in credit analysis
• Prepare early disclosure and closing documentation, extensions, and modifications
• Obtain necessary documentation from clients and accountants

What you need to be successful:

• Knowledge of bank lending operations and processing
• Excellent organizational and time management skills
• Strong skills in computer terminal and personal computer operation
• Advanced math skills
• Exceptional verbal, written, and interpersonal communication skills 
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations
• Ability to work with no supervision 
• Current driver's license and a vehicle with appropriate insurance coverage