Commercial Credit Analyst II

Core values speak to the heart of an organization and are the essence of a company’s identity. Everything we do is centered around our community, customer service, our stability, and being trustworthy. These values support our mission and vision, shape our culture, and provide a foundation for the future.

Offering a dynamic benefit package that includes but is not limited to:

• Four Medical Plan Offerings to choose from
• Employer HSA Contributions (Coverage/Plan exclusions)
• Employer Provided Life Insurance Policy
• Annual Health Incentive
• Annual Wellness Reimbursement
• Tuition Reimbursement program
• Generous Match 401k Retirement Plan
• Paid Sick Leave
• Paid Vacation Leave
• 11 Paid Holidays based on the Federal Reserve Calendar

If you are ready to take on a challenging and rewarding role; we invite you to apply for this exciting opportunity.

ESSENTIAL FUNCTIONS:

• Evaluate the creditworthiness of potential and existing clients by analyzing financial statements, credit reports and other relevant data.
• Completion of detailed credit memorandums reporting findings and summarizing financial analysis for new loans, renewals, reaffirmations, and/or modifications of existing loans.
• Completion of annual reviews on existing relationships to evaluate any changes in credit risk while coordinating annual reviews with loan maturities.
• Coordinate Risk Rating and Policy Exception changes identified in the credit process.
• Stay updated on industry trends, economic conditions and regulatory changes that may impact credit risk and lending practices.
• Coordinate packages for Loan Committee, Executive Loan Committee and Board Meeting presentations; work with Administrative Staff on agenda items.
• Provide technical advice and assistance to loan officers/ lending assistants as needed.
• Provides the best service to our customers with innovative and creative solutions.

JOB REQUIREMENTS:

• Minimum of 3 years of experience as a Credit Analyst with experience in Commercial and Commercial Real Estate transactions.

• Bachelor’s degree in finance, accounting, or business related major.

  · Ability to work collaboratively with other financial professionals, including loan officers, to facilitate the credit approval process.

  · Strong decision-making skills to make credit recommendations or decisions based on sound financial analysis.

  · Extensive knowledge of financial institution policies and procedures.

  · Excellent written and verbal communication skills.

  · Strong financial analytical capabilities.

  · Strong attention to detail, ability to prioritize workload, meet deadlines, and deal tactfully with co-workers and customers.

  · Extended hours sitting and performing computer tasks may be required.

  · Employees confirm they are able to perform the essential functions of this position to continue employment with First Federal Bank.

  EQUAL OPPORTUNITY EMPLOYER / VET / DISABILITY

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