CREDIT ANALYST II

Job Description

Job Description

Description

GENERAL SUMMARY :

Provides leadership to credit analysts.  Ensures timely and accurate completion of all credit analysis functions.

RESPONSIBILITIES AND DUTIES :

• Prepares complete and concise financial analyses by obtaining necessary information from the lender.  Financial analyses will focus on financial trends and repayment capacity of obligors. These duties include but are not limited to analysis & interpretation of financial statements, evaluation of the financial condition of the borrower relative to the industry, economy, collateral, capacity, trends, and performance of the borrower.
• Attends loan committee meetings, as necessary, to assist in the presentation and clarification of credit requests.
• Supervises, trains and directs credit analyst(s) including periodic review of analysis.
• Serves as a resource for the bank’s loan documentation software.
• Some analyst positions ensure adequacy of bank’s collateral position by monitoring construction draw requests / inspections, borrowing base certificates / inspections, and livestock inspections.  Audit of specific collateral reports may be required to ensure accuracy.
• May participates in asset reviews as requested, including real estate inspections and any other on-site inspections deemed necessary.
• Maintains strict confidentiality of credit information.
• Performs other duties as assigned.
• Regular and reliable attendance.

KNOWLEDGE, SKILLS, AND ABILITIES :

EDUCATION AND EXPERIENCE :

PHYSICAL REQUIREMENTS :

Seeing : 75-100%

Must be able to read reports, see computer screen, visit customer sites

Hearing : 50-74%

Must be able to communicate with co-workers

Standing / Walking : 25-49%

Must be able to run errands for the bank, make large quantities of copies.

Climbing / Stooping / Kneeling :   0-24%

Must be able to obtain files.

Lifting / Pulling / Pushing :   25-49%

Must be able to lift files daily.

Fingering / Grasping / Feeling :   75-100%                                                                                                Must be able to use computer, write separate reports

PHYSICAL DIMENSIONS :

Light Work : Exerting up to 20 pounds of force occasionally, and / or a negotiable amount of force frequently or constantly to lift, carry or otherwise move objects.  Job involves sitting most of the time and walking and standing some of the time.

NOTE : The statements herein are intended to describe the general nature and level or work being performed by employees assigned to this classification.  They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills, required of personnel.

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