Credit Analyst

Full job description Equal Opportunity Employer M/F/Veteran/Disabled
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Summary Analyzes credit data to estimate degree of risk involved in extending credit to companies or individuals.
Essential Duties and Responsibilities Other duties may be assigned.
Utilizes specialized software to compile financial information for analysis of the financial condition of a customer or business entity.
Assesses the economic performance of specific companies, industries or financial enterprises.
Analyzes prevailing trends in financial services, business practices, and competition.
Works with Loan Officer on requests for extension of credit to individuals or business entities.
Recommends risk grades for credits.
Reviews all pertinent financial information and determines any need for additional information.
Reviews cash flow analysis as performed by Loan Officer and prepares reports for lenders.
Reviews and monitors credit files.
Performs financial statement spreads, projections, personal cash flow analysis, consolidated cash flow analysis, and risk grade documentation on existing portfolio as directed.
Monitors and updates credit files relative to financial data requirements and assists in maintaining financial tracking reports.
Maintains control over current accounts, watching for any developing problems and keeps lenders informed.
Assists with training of interns, management trainees, and other employees, regarding use of financial software and the analysis of financial statements.


Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and / or Experiences Associate's degree (A. A.) or equivalent from two-year college or technical school; or two years related experience and/or training; or equivalent combination of education and experience. Bachelor's Degree in Accounting, Finance, or Business preferred.