Job Summary:

Under the general supervision of the SVP of Credit Administration, and in conformance with the established policies and procedures, performs credit analysis for new loan requests and oversees and administers existing portfolio; including, but not limited to, preparation of annual reviews and loan modifications, as well as, tracking financial information. Maintain compliance with all related bank policies, standardized procedures and regulations. Serve as a mentor for junior analysts. Below is a description of the ordinary duties of the position. This description is intended as a guideline and may not be all-inclusive. There may/will be additional duties and responsibilities both related and unrelated to the department, which will require attention and therefore will be required. Employee access to a customer’s nonpublic personal information shall be limited to the extent necessary in order to accomplish the duties outlined below or as may be assigned.

Primary Responsibilities:

• Analyze financial statements, management profiles, business/product cycles, historical operating performance and cash flow ability to develop an assessment of credit risk.
• Effectively and accurately complete credit underwriting for Mid-Size to large Commercial Loan requests in a timely fashion, including but not limited to Commercial Mortgages, Commercial and Industrial as well as Working Capital Revolving Credit Loans.
• Prepare and review in depth written analyses for relationships of various size and complexity, ensuring that the completed product is in compliance with laws, regulations and guidelines, as well as policies specific to the bank.
• Perform analysis and research required for the annual review of all Borrower relationships as well as the annual review-renewal of all Working Capital Revolving Lines of Credit.
• Make constructive comments/recommendations on loan terms and structures to minimize credit risks and protect the Bank’s capital.
• Work directly with junior analysts to enhance credit analysis skills to result in the performance of comprehensive, in depth and meaningful credit analysis on loan transactions with moderate complications, independently and with minimal supervision from the Credit Manager.
• Interact with customers, Bank officers and Loan Operations to respond to inquiries, questions, problems and other credit issues on a timely basis.
• Perform in-depth appraisal reviews to ensure all appraisals the Bank uses are in compliance with all related appraisal regulations and the Bank’s internal Appraisal policy.
• Perform property evaluation for collateral supporting a loan of $250,000 or less.
• Ongoing training to further overall banking background.
• Represent the Bank in the community and at business and professional association functions.
• Participates in and completes in a timely manner all training as assigned and required.
• Other duties as assigned.

Qualifications:

• Minimum of 5 years work experience.
• Bachelor’s degree required or work experience equivalent; MBA preferred.
• Have the ability to use general office equipment.
• Proficient with Word, Excel, PowerPoint and Outlook.
• Excellent verbal and written communication skills.
• Strong interpersonal and organizational skills.
• Ability to communicate effectively and work independently with specific job functions.
• Ability to work with the commercial lending staff.
• Good knowledge of appraisal and environmental regulations/requirements.
• Deadline and detailed oriented and accurate.
• Ability to deal with and show discretion in confidential matters.
• 25% availability to travel outside of 25-mile radius.
• Ability to sit, drive, bend, answer the phone and perform computer input.