Consumers Bancorp, Inc.
Description
Job Summary
The Credit Analyst, reporting to the Credit Department Manager, is responsible for conducts analysis of commercial loans and /or loan relationships as determined by the Chief Credit Offer, Credit Department Manager and Executive Management. Determines the borrower's ability to repay all obligations by conducting analysis of financial information and determine the adequacy of available collateral and recommend possible loan structure to ensure that the bank limits its risk to a reasonable level.
ESSENTIAL DUTIES AND RESPONSIBILITIES
Analyze proposed and existing commercial credit relationships as determined by senior management
Determine if we have sufficient financial information to make an informed credit decision
Conduct detailed financial analysis on loans to determine if the borrower has the ability to repay the obligation
Determine if the borrower has the ability to repay all commercial and personal obligations
Review proposed or existing collateral to determine if the bank is adequately secured
Communicate with Originating Lender on the details of proposed and existing credits
Recommend structure and terms based on the financial and collateral analysis
Ensure that proposed credits are within bank policy unless approved otherwise
Recommend a Risk Rating to Originating Lender and/or Loan Review
Communicate with Loan Review and Chief Credit Officer (CCO) on any issues of concern on individual credits
Requirements
Business related degree or equivalent/significant loan and/or audit experience preferred
Minimum of 2 years lending or analysis experience
SBA or Ag experience a plus
Demonstrated experience with business and technical analysis
Intermediate knowledge of Sageworks (or similar software) and Microsoft Office Suite including, Outlook, Word and Excel
Able to exercise appropriate independent judgment and act on it.
Proven analytical, mathematical, and problem-solving skills
Effective written and verbal communication skill.
Able to work logically and efficiently, with strong attention to detail
Proven ability to effectively prioritize and execute tasks while under pressure
Established customer service skills
Experience working in a team-oriented, collaborative environment.
Valid driver’s license with insurable driving record
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ESSENTIAL DUTIES AND RESPONSIBILITIES
Analyze proposed and existing commercial credit relationships as determined by senior management
Determine if we have sufficient financial information to make an informed credit decision
Conduct detailed financial analysis on loans to determine if the borrower has the ability to repay the obligation
Determine if the borrower has the ability to repay all commercial and personal obligations
Review proposed or existing collateral to determine if the bank is adequately secured
Communicate with Originating Lender on the details of proposed and existing credits
Recommend structure and terms based on the financial and collateral analysis
Ensure that proposed credits are within bank policy unless approved otherwise
Recommend a Risk Rating to Originating Lender and/or Loan Review
Communicate with Loan Review and Chief Credit Officer (CCO) on any issues of concern on individual credits
Requirements
Business related degree or equivalent/significant loan and/or audit experience preferred
Minimum of 2 years lending or analysis experience
SBA or Ag experience a plus
Demonstrated experience with business and technical analysis
Intermediate knowledge of Sageworks (or similar software) and Microsoft Office Suite including, Outlook, Word and Excel
Able to exercise appropriate independent judgment and act on it.
Proven analytical, mathematical, and problem-solving skills
Effective written and verbal communication skill.
Able to work logically and efficiently, with strong attention to detail
Proven ability to effectively prioritize and execute tasks while under pressure
Established customer service skills
Experience working in a team-oriented, collaborative environment.
Valid driver’s license with insurable driving record
#J-18808-Ljbffr