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Credit Analyst I

Peoples Security Bank & Trust Company
Moosic, USA
Full-time
Onsite
Discovered 2 weeks ago
Credit analysisBorrower creditworthiness assessmentCash flow analysisCollateral analysisFinancial statement analysisTax return analysis

Full Job Posting

Role overview

Provide analytical services related to the bank's lending activities and support the Credit Division's operating goals and policies.

Communicate with appropriate personnel, respond to inquiries, maintain records, and provide assigned reports.

Essential duties

  • Analyze current and prospective borrowers and perform credit analysis to maintain loan portfolio credit integrity.
  • Conduct cash flow and collateral analyses.
  • Identify risks and credit policy exceptions for approval requests and recommend appropriate mitigation.
  • Assess strengths and risks of approval requests and recommend risk ratings to loan officers.
  • Incorporate real estate market and industry data into loan presentation summaries.
  • Prepare loan presentation summaries covering proposed terms, cash flow, collateral, and other financial analysis.
  • Spread financial information, including tax returns and accountant-prepared statements, using Sageworks.
  • Recommend lending decisions based on borrower creditworthiness and facility terms; support loan officers during presentations to senior committees or other approvers.
  • Support lending officers with customer matters, credit files, regulatory and compliance matters, and general customer service.
  • Complete special projects related to the credit department and loan portfolio and other duties as assigned.
  • Perform supportive tasks that may be altered or redesigned depending on individual circumstances.

Education, skills, and experience

  • A bachelor's degree in Accounting, Finance, Business, or a related field is normally required.
  • A minimum of one year's banking experience is normally required.
  • Strong communication skills and superior problem-solving ability.
  • Proficient analytical, writing, and mathematics skills.
  • Proficient PC skills, specifically Microsoft Excel and Word.
  • Strong time management and prioritization skills.
  • Working knowledge of financial statements and tax returns.
  • Ability to analyze, investigate, and research potential loans and make recommendations.

Physical requirements

Regularly sit, stand, talk, hear, walk, use hands and fingers, handle or feel objects, and reach with hands and arms.

At times, stoop, kneel, bend, crouch, and lift up to 25 pounds.

Regular computer use is required; reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

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