Credit Analyst

Job Description

Job Description

Company Overview

Cornerstone Bank is a locally owned community bank driven by our mission to serve businesses and the individuals who run them.

We use a consultative approach to develop new ideas and build trusted relationships. We pride ourselves on upholding the tradition of personalized, quality service set forth in 2001 by the founders of the bank.

At Cornerstone Bank you’ll be an integral part of a team environment.

Working Here Has Its Advantages!

• Competitive wage and attractive benefits package.
• Health, dental, and vision insurance (including company contribution), short-term disability, company-paid long-term disability insurance, life insurance, and identity theft insurance.
• 401(k) retirement plan with company match.
• Paid time off (PTO), monthly telecommute day and / or hybrid schedule after initial training period, professional development.
• Dress for your Day dress code, Red Friday (KC Chiefs) / special event days, fitness reimbursement program, paid volunteer program, quarterly birthday events, team-building events throughout the year, social events, work-life employee assistance program.
• Engaged in the bank-wide Traction goal-setting program, quarterly manager feedback meetings, and frequent department / peer meetings.

Join Our Team!

If you enjoy working with financials and have a passion for financial analysis, we’d love for you to apply. Strong organizational, communication, and problem-solving skills will serve you well in this role.

At Cornerstone Bank you’ll feel included and know that your work makes a difference. You’ll have autonomy in your role but will also work together as part of a collective credit team, to provide and receive support.

As Credit Analyst you will assess the creditworthiness of potential customers, including payment terms and credit limits, and identify special credit arrangements and deviations from standard terms of payment.

Completing loan applications, including credit analyses and credit memorandums, and submitting to loan committees for approval is a primary function of your role.

We are on the lookout for candidates who take pride in the accuracy of their work, have a strong attention to detail, and exhibit excellent time management skills.

Working at Cornerstone Bank is different than working at big banks. Small business owners make up a significant portion of Cornerstone Bank’s client base.

You’ll gain a better understanding of the overall operation of a community bank as well as play a critical part coordinating the commercial loan credit approval process, including processing credit applications, and initiating inquiries into customer’s bank and trade references.

You will generate financial ratios to evaluate customers' financial status, compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.

At Cornerstone Bank, we value the work of our team members and understand the significant role you play in the overall success of the Bank.

Your role is critical as you monitor the credit risk associated with customer accounts, establish and maintain customer credit files / database, and review customers’ credit histories.

As a credit expert, you will also assist with the establishment and implementation of credit policy, prepare reporets that include the degree of risk involved in extending credit or lending money, evaluate customer records and recommend payment plans based on applicable data.

Ideal Candidate

• Bachelor's Degree (BA) from four-year college or university preferred, or one to two years of related experience and / or training, or equivalent combination of education and experience.
• One or more years of credit analyst experience at a bank preferred, but willing to train.
• Success in this role has a strong correlation with a team member's commitment to excellence and high standards, excellent written and verbal communication skills, strong organizational, problem-solving, and analytical skills, and strong mathematical skills.
• Ability to understand and follow written and verbal instructions, acute attention to detail, and possess good judgement with the ability to make timely and sound decisions.

Must be versatile, flexible, and willing to work within constantly changing priorities with enthusiasm. Ability to research and evaluate data to make informed decisions and solve problems.

Sense of discretion and willingness to maintain strict confidentiality of pertinent and sensitive information.

Are You Computer Savvy?

We don’t want tech to slow you down. You’ll be using Microsoft Office Suite (Outlook, Word, Excel), Suntell document imaging system, and our core banking system (Fiserv) daily.

It helps if you are tech savvy and a quick learner. We’ll train in areas where there may be gaps in bank experience or technology;

we're looking for someone with a strong willingness and desire to learn.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This is a largely sedentary role and the employee must be able to remain in a stationary position 75% of the time;

however, some filing and use of office equipment is required. Continually utilize hand and finger dexterity. Continually utilize visual acuity to operate equipment, read information, and / or use a keyboard.

Frequently required to communicate with multiple loan officers; must be able to exchange information in these situations.

Occasionally required to move about inside the office to access file cabinets, supplies, office machinery, etc. Occasionally required to move items up to 10 pounds.

While performing the duties of this job, the noise level in the work environment is usually quiet to moderate.

Emotional Demands

Ability to maintain regular attendance and be punctual. Ability to complete assigned tasks without direct supervision. Ability to work and sustain attention with distractions and / or interruptions and multitask without loss of efficiency or accuracy.

Ability to perform under stress. Ability to interact appropriately with a variety of individuals including customers / clients.

Ability to perform in situations requiring speed and deadlines. Ability to work as an integral part of the team.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Works in typical bank lobby / office environment on first floor of the building.

Continually views a computer monitor and routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Cornerstone Bank is an Equal Opportunity Employer

The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or physical requirements.

Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.

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

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