This job can be done from any of our locations.

The Credit Analyst is responsible for analyzing and interpreting financial data to evaluate the credit worthiness of prospective and existing borrowers. This will include the analysis of business and commercial loan requests to develop thorough and objective credit presentations, while ensuring the Bank’s lending policies are followed.

1. CREDIT ANALYSIS

• Analyze credit worthiness of borrowers, providing an objective analysis to assist lenders and management in determining loan eligibility.
• Prepare credit presentations for both existing and prospective borrowers to assist in the underwriting process.
• Determine borrower’s repayment ability and ascertain the Bank’s adequacy of collateral position.
• Suggest loan asset quality ratings based on the presentation and relationship review.
• Review guarantor’s net worth, financial position and personal repayment history by obtaining and interpreting credit bureau reports, personal financial statements and personal tax returns.

2. CREDIT ADMINISTRATION

• Prepare annual reviews for all commercial borrowers, using the same analysis techniques as those used in new credit requests to determine ongoing credit worthiness of the borrower.
• Review interim statements provided by borrowers to determine both positive and negative trends.
• Review other documentation provided by borrowers, ensuring compliance with loan covenants.

3. COMMERCIAL CUSTOMER SERVICE

• Serve as secondary contact for commercial customers. Assist loan officers with business development opportunities, and clients with problems or concerns, as needed.
• Participate in joint calls with lenders.

4. VENDOR MANAGEMENT

Prepare analysis of financial stability for all new vendors and those existing vendors that require annual review.

5. CASH MANAGEMENT REVIEW

• Prepare financial analysis of any business applying for ACH or RDC services at the Bank.
• Work with Loan Officers and Branch Managers to prepare annual review and limit recommendations for existing ACH and RDC customers.

Secondary Duties

• Maintain an awareness of economic, financial and industrial trends as well as competitive area factors. This includes the development and/or enhancement of a reference library and sources to assist assessing economic risk of commercial loan clients.
• Attend Loan Committee meetings as necessary. Prepare and provide Committee with pertinent credit related information.

Supervisory Responsibility

There are no supervisory responsibilities associated with this position.

Minimum Requirements

• Bachelor’s Degree in finance, accounting or economics; or equivalent combination of educationand experience.
• 2-5 years previous experience in credit, banking or lending.
• Ability to multi-task and meet multiple deadlines.
• Excellent verbal and written communication skills.
• Must be able to present information to groups or individuals in a confident and professionalmanner.
• Proficient with Microsoft Office products.
• Excellent organizational and time-management skills.
• Ability to work with minimal or no supervision while performing duties.
• Knowledge of Fiserv Vision and Sageworks preferred.

To apply please email a resume to CAnderson@myfrbank.com.