__________________________________JOB DESCRIPTION

CREDIT ANALYST

Job Purpose: Performs and documents credit underwriting for new and existing commercial loans while

adhering to bank guidelines.

Department: Commercial Lending Reports to: Credit Department Manager

Salary Grade: _________ Exemption Status: Exempt

Essential Duties/Responsibilities: Prepares financial statement spreads from tax returns and financial statements

Prepares annual reviews, credit approval forms and credit memos to document credit analysis of

existing and potential borrowers o Identifies and evaluates primary repayment sources under various scenarios

o Identifies and evaluates secondary repayment sources including collateral and guarantors

o Conducts industry and economic research and forecasts the effect of findings on individual borrowers

o Recommends loan structure

o Suggests risk rating

o Identifies loan policy and regulatory exceptions as they apply to individual loans

o Monitors loan relationships for financial covenant compliance Communicates directly with loan officers and borrowers to request additional information and to

resolve various issues

Produces monthly and quarterly reports to document loan portfolio performance and to fulfill

regulatory requirements

Performs duties of Appraisal Analyst as needed o Orders and reviews commercial and residential real estate appraisals

o Prepares real estate evaluations

o Performs occasional property inspections

Participates in special projects as directed

Performs additional job related duties as assigned or required

Knowledge/Skill/Ability Requirements: Thorough knowledge of lending and appraisal laws and regulations with ability to keep up to date on

regulation changes

Ability to research industry trends and banking regulation changes

Strong analytical, technical and statistical skills

Sound working knowledge of accounting principles and financial statements

Proficient in the use of Microsoft Office Suite

Ability to create reports to summarize analysis

Capability to effectively present information and respond to questions from groups of lenders,

managers, directors and/or regulatory officials

Clear and concise verbal and written communication skills

Strong integrity in all areas, adhering to policies, regulations and utmost ethical and legal standards

Uphold confidentiality and privacy of findings in all situations

Ability to work independently and manage workload priorities

Sound judgment, logical reasoning and strong drive for results and success

Remain flexible to withstand unpredictable changes to schedules and deadlines

Interact and communicate effectively with personnel at all levels of the organization

Physical/Mental Requirements: Ability to lift and/or move up to 25 lbs.

Sit at a desk and computer terminal for extended time periods

Move around within office to appropriately interact with all personnel

Equipment/Software Operating Requirements: Windows based PC (MS Word/Excel/PowerPoint/Outlook) Core Bank Software

Aurora Document CASH Financial Statement Spreading Software

Financial calculator Copy Machine

Fax Machine Telephone

Working Conditions:

Duties are performed in an office environment in a professional business setting. Position requires

occasional travel to off-site properties. Work pace can be very fast during deadlines and peak periods of the

day, week or month.

Professional Relationships:

Interacts with lending-related personnel throughout the bank. Communicates and coordinates with other

members of the Credit Department.

Eligibility Requirements (Minimum Qualifications):

Achievement of a 4-year college degree (with preference for degrees in finance or accounting); or

equivalent combination of education and experience required. Two years of financial analysis experience in

a commercial banking environment (including analysis of ratios, trends and detailed cash flow) is preferred.

Accounting or financial certification is a plus.