Credit Analyst I

Conducts credit investigations and analyzes credit information pertaining to loans Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches. Analyzes financial statements and related material. Analyzes financial conditions and trends. Reviews and reports non-compliance with loan covenants. Determines cash flow using appropriate tax analysis. Prepares summaries, presents facts, and offers opinions concerning credit-worthiness. Provides credit information and references for customers, loan officers, or other agencies as requested. Ensures that all credit files include proper documentation including current financial statements, agency reports, etc. Maintains control over current accounts, noting payment progress, watching for any developing problems, and keeping loan officers informed. Writes credit memorandums. Accompanies lenders on business calls. Conducts industry research. Assists with special projects as assigned.

Qualifications:

Typically requires a Bachelors and 1year of directly related experience. Limited use and/or application of basic credit principles, theories, and concepts. Basic knowledge of financial and spread analysis, and credit/ lending procedures for various types of loans. PC skill required.


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