Credit Analyst

Signature Bank

Signature Bank

IT
Toledo, OH, USA
Posted on Jan 18, 2025

Summary/Objective

Prepare required review of financial data and prepare clear, detailed and objective reports in keeping with the responsibilities listed below.

Essential Duties & Responsibilities

The following duties are normal for this position. These are not to be construed as exclusive or all-inclusive. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  1. Spread financial statements into our financial analyst software.
  2. Analyze credit requests and assign appropriate risk ratings in accordance with loan policy.
  3. Perform annual loan reviews on all commercial credits in accordance with loan policy.
  4. Perform asset quality reviews as assigned.
  5. Maintain logs on interim financial statement tracking, borrowing base reports and loan covenant requirements.
  6. Perform reviews on other financial institutions approved for Fed Funds sold.
  7. Perform review on key suppliers.
  8. Order and review credit reports.
  9. Determine relationship exposure for approval levels as part of credit request process.
  10. Perform industry reviews including commercial real estate, manufacturing, automotive and healthcare.
  11. Assist in the maintenance of credit file.

Competencies

  1. Gold Standard / Client Relations
  2. Accountability / Dependability / Reliability
  3. Integrity / Ethical Conduct
  4. Teamwork / Interpersonal Skills / Active Listening
  5. Job Knowledge / Job Responsibilities
  6. Analytical skills, specifically in cash flow, balance sheet and ratio analysis
  7. Accuracy / Thoroughness / Attention to Detail
  8. Technical Aptitude
  9. Professional Verbal & Written Communication
  10. Organizational Skills / Time Management
  11. Responsive and flexible to other duties as assigned on an intermittent or regular basis as needed.