CNB Bank, Credit Analyst

Description

Credit Analysts are committed and significantly influential to the commercial lending process, assisting business development officers and members of management to make timely lending decisions that are beneficial to the Bank. In this position, a credit analyst reviews and analyzes business financial statements, personal financials, credit bureaus, debt schedules, collateral values, and industry trends to prepare concise and accurate reports for approval by management.

Senior analysts may be asked to support in the training of junior analysts, as well as to assist department management in preparing reports for Senior Management.

Below is a list of essential functions of this position. Additional responsibilities may be assigned in the position.

KEY RESPONSIBILITIES

• Analyze Business and personal financial statements
• Analyze Collateral Coverage
• Prepare Presentation Reports for Management to Decision Potential New Loans
• Prepare Reports for the Annual Review of Revolving Lines of Credit

ATTITUDES

Builds positive relationships with internal and external clients by valuing other's feelings and rights in both words and actions, and embracing other's unique beliefs, backgrounds, and perspectives by demonstrating :

BEHAVIORS

Demonstrates strong business ethics and honest behaviors and the ability to positively influence and work with others to achieve excellent results by demonstrating :

COMPETENCIES

Reflects skill, good judgement, positive conduct, and personal responsibility for assigned areas. Seeks to implement and leverage services and technologies that create efficiencies by demonstrating :

POSITION LEVEL(S) EXPECTATIONS (if applicable)

SEEKS PROFESSIONAL DEVELOPMENT OPPORTUNITIES

Actively participate in expanding skill sets and career paths by attending training programs, workshops, certifications, and educational resources relevant to the role. The type and scope of these opportunities will be discussed with the department manager when appropriate.

Requirements

QUALIFICATIONS, EDUCATION, & EXPERIENCE

To perform this position successfully, an individual must be able to perform each essential position requirement satisfactorily and a skills inventory is listed below. A high school diploma or general education degree (GED) is required, secondary education (i.e. Associates Degree or higher) is preferred. Prior analyst experience is not required but it preferred. A background screening will be conducted.

This position operates in a professional office environment with considerable time spent at a desk using office equipment such as computers, phones, and printers. Noise level is moderate with constant communication and interactions with others. Ability to travel on occasion to all market areas and attend seminars or training sessions offsite.

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

DISCLAIMER : This job description is not an exclusive list of responsibilities and duties. They may change at any time without notice.

BENEFITS

Eligibility requirements apply.

CNB Bank is an equal opportunity employer and all applicants are considered based on qualifications without regard to sex, race, color, ancestry, religious creed, national origin, sexual orientation, gender identity, physical disability, mental disability, age, marital status, disabled veteran or Vietnam era veteran status. CNB Financial Corporation is an Affirmative Action Employer and is committed to fostering, cultivating and preserving a culture of diversity and inclusion.

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