Job Description

Job Description

The Credit Analyst III is responsible for conducting in-depth industry and financial analysis of existing and potential borrowers. This job works cooperatively to support the Lending and Credit functions of the Bank.

Requirements

Responsible for complex loans/industries/Customers.
Works independently.
Strong understanding of loan risk factors.
May train/mentor/coach junior analysts.
Researches industry specific information from outside sources, which may include conversation with Borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet.
Participates in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times).
Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower’s character, credit worthiness and financial condition.
Supports the lending function by providing analytical support.
Must be eligible for employment under regulatory standards applicable to the position.

Qualifications

4 year degree or equivalent experience.
3-5 years related experience required.
Demonstrated knowledge of credit and financial analysis techniques.
Strong understanding of loan risk factors.
Demonstrated ability to independently gather, consolidate, analyze and summarize data to provide well-considered recommendations for all levels of commercial credit relationships.
Proven ability to identify and quantify subtle business risks and the ability to identify key drivers of risk and focus discussions accordingly.
Effective time management skills.
Excellent written and oral communication skills.
Well developed research and analytical skills.
Exhibits self-confidence at all levels of conversation with the ability to defend analytical decisions.
Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software.
Demonstrated ability to maintain the confidentiality of credit and Customer information.
Excellent interpersonal skills and a team orientation.
Ability to coach, train and lead junior staff in credit and financial analysis techniques.