Credit Analyst

A Credit Analyst prepares and provides credit data to Commercial Lenders for their use in estimating the degree of risk involved in extending credit to business entities.

• Spreading financial statements and tax returns, preparing financial projections and inputting financial statement tracking information for businesses utilizing PC-based software. Preparing written financial analysis.
• Spreading personal tax returns and personal financial statements using PC-based software
• Creating cash flow and debt service spreadsheets for business entities, personal borrowers/guarantors and global relationships using in-house models
• Reviewing, calculating and tracking financial covenant compliance in loan agreements, providing Commercial Lenders with customized spreadsheets outlining results
• Attending credit training classes both within the bank and also provided by third parties
• Assist with financial statement analysis

• Bachelor's degree from accredited college or university
• Have a strong understanding of accounting and finance, financial statements, government loan programs, and commercial loan documentation
• Previous experience with a financial institution is preferred
• PC proficiency in Microsoft Office is required
• Ability to develop a good working knowledge and understanding of the software systems used by the Credit Administration and Loan Operations departments in order to effectively communicate training issues regarding these systems