Senior Credit Analyst

Responsible for reviewing loans to ensure that acceptable credit standards are maintained and that loans conform to established company policy. Also responsible for conducting relationships and activities consistent with established Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable State and Federal laws and regulations.

ESSENTIAL DUTIES AND RESPONSIBILITIES :

Conduct investigation and analysis of routine financial data to facilitate the credit extension decision-making process.

Use credit reporting services to compile reports regarding the credit history of potential customers.

Research and analyze financial statements. Interpret findings and prepare reports of financial position and credit worthiness.

Assist with the preparation and presentation to loan committees or customers. May offer opinions regarding financial strength and credit worthiness of customers.

Offer opinions regarding financial strength and credit worthiness of customers.

Maintain loan documentation files and monitor compliance with terms of loan agreements.

Conduct a systematic review of commercial, installment, and mortgage loans to determine adequacy of documentation.

Monitor the financial position of established accounts and brings irregularities to the attention of the Credit Department Officer and / or Vice President of Loan Administration.

Ensure thorough knowledge and understanding of compliance and regulatory issues relating to loan policy and procedures evidenced by appropriate application of regulations in day-to-day operations.

Demonstrate the highest level of professionalism, efficiency and customer service when resolving customer issues.

Understand and maintain a thorough knowledge of Central Bank's services, operations, and organization; communicate this understanding to others when appropriate, and refer inquiries and correspondence to the proper department or individual.

Complete or attend all required training.

ADDITIONAL DUTIES AND RESPONSIBILITIES :

Assist others as needed.

The position may be assigned other duties and responsibilities and may be assigned work or training at other assigned locations.

Bachelor's degree in Business or an equivalent degree program is preferred, but an equivalent combination of education, training and experience that provides the required knowledge, skills and abilities may be substituted.

12 hours of Accounting courses preferred.

Prior business-related experience as a credit analyst or position with advanced analytical skills is preferred.

Knowledge of current bank lending procedures and policies, lending regulations (state and federal), lien laws, collection / bankruptcy regulations, and loan documentation preferred.

Ability to analyze financial statement and loan risk.

Possess good judgment skills. Ability to make decisions within prescribed guidelines, research and solve problems, handle confidential information and manage multiple tasks.

Ability to read, write, and speak English.

Excellent verbal, listening and communication skills. Strong customer relations skills and ability to work with employees and customers in a cooperative manner. Ability and desire to work as part of a team, and with people of diverse backgrounds

Strong organizational skills and attention to detail. Must be able to work independently, have a great degree of initiative. Willingness to assume additional responsibilities / duties / projects as they arise.

Ability to operate office equipment including PC's, calculators, telephones, voice mail, copy and fax machines. Must be proficient with Microsoft Word and Excel.

Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

PHYSICAL AND SENSORY DEMANDS :

Regularly required to sit; stand; walk; talk; see and hear.

Regularly required to use hands to finger, handle, or feel objects, tools, or controls and reach with hands and arms.

Occasionally required to stoop, kneel, or crouch.

Frequently lift and / or move up to 20 pounds.

Specific vision abilities include close vision.