JOB RESPONSIBILITIES

• Set a good example by arriving to work on time, managing time at work efficiently, providing excellent customer service, avoiding unscheduled absenteeism, etc.
• Spread financial statements and tax returns of commercial credits including businesses and individuals
• Coordinate with loan officers, customers, and customers’ accountants to resolve any issues regarding any uncertainty that may arise while spreading financial statements and tax returns.
• Provide a thorough and timely written analysis of commercial credits to properly assess risk; this analysis includes:

a) Identification of major trends, strengths, and weaknesses.

b) Disclosure of any potential loan policy exceptions.

c) Compliance with financial covenants contained in loan agreements.

d) Benchmarking with industry standards.

e) Evaluation of credit history of key principals.

f) Recommendation of alternate loan structuring, when appropriate.

g) Assessment of sensitivity to declining revenue and rising interest rates.

h) Any other information needed to properly assess risk.

• Provide a financial summary of the bank’s critical and important vendors as assigned.
• Provide support for loan officers, Loan Review, Quality Control, Internal Audit, and external auditors with respect to the financial analysis of commercial credits as well as adherence to loan policy and procedures.
• Review financial analysis of peer Credit Analysts.
• Ensure all actions performed are in compliance with government regulations and organizational policies and procedures.
• Other duties as assigned.

SKILLS/KNOWLEDGE AND ABILITIES/EXPERIENCE

• Bachelor degree – accounting preferred, will consider finance and business degrees if sufficient accounting courses have been taken.
• Work experience – accounting experience a plus, banking experience a plus.
• Accounting knowledge – general understanding of Generally Accepted Accounting Principles (GAAP), general understanding of individual and corporate tax returns.
• Good oral and written communication skills.
• Good foundation in technology skills – PC usage, Word, Excel.
• Professional presence – relationship skills, organizational skills, work habits.
• Team orientation – ability to work well with others, flexible, adaptable.
• Project management skills – organizational skills, time management.
• Analytical skills – ability to interpret financial information from a wide variety of sources.
• Attention to detail – ability to assure the utmost accuracy of financial calculations and conclusions contained in financial analysis.

WORKING CONDITIONS

· Normal office conditions - professional environment.

· Requires alertness, thoroughness, efficiency, self starter, highly motivated.

· Some overtime will be required.

· Occasional travel may be required.

The above statements are intended to describe the general nature and level of work to be performed by personnel assigned to this job. This information is not intended to be an exhaustive list of all responsibilities, duties, and skills required of personnel assigned to this position.