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.
- Spread financial statements into our financial analyst software.
- Analyze credit requests and assign appropriate risk ratings in accordance with loan policy.
- Perform annual loan reviews on all commercial credits in accordance with loan policy.
- Perform asset quality reviews as assigned.
- Maintain logs on interim financial statement tracking, borrowing base reports and loan covenant requirements.
- Perform reviews on other financial institutions approved for Fed Funds sold.
- Perform review on key suppliers.
- Order and review credit reports.
- Determine relationship exposure for approval levels as part of credit request process.
- Perform industry reviews including commercial real estate, manufacturing, automotive and healthcare.
- Assist in the maintenance of credit file.
Competencies
- Gold Standard / Client Relations
- Accountability / Dependability / Reliability
- Integrity / Ethical Conduct
- Teamwork / Interpersonal Skills / Active Listening
- Job Knowledge / Job Responsibilities
- Analytical skills, specifically in cash flow, balance sheet and ratio analysis
- Accuracy / Thoroughness / Attention to Detail
- Technical Aptitude
- Professional Verbal & Written Communication
- Organizational Skills / Time Management
- Responsive and flexible to other duties as assigned on an intermittent or regular basis as needed.