Credit Analyst III
Credit Analyst III
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Salary Not Disclosed
1 Vacancy
Job Description
GENERAL DESCRIPTION OF POSITION
The Credit Analyst III analyzes credit data to estimate the degree of risk involved in extending credit or lending money to firms or individuals. This position performs analysis on large and complex loans or relationships with a Region or Industry. The Credit Analyst III engages with Analyst I or II as appropriate to assist in the analysis of the credits or relationships and as directed by the Regional Credit Analysis Manager.
ESSENTIAL DUTIES AND RESPONSIBILITIES
1. Generate spreadsheets within the bank lending operating system (nCino) using financial statements presented by commercial lenders to find and review trends. This duty is performed daily about 25 of the time.
2. Manage a schedule of which spreadsheets are prepared and returned to loan officers within a time period agreed upon in advance with each lender. This duty is performed daily about 25 of the time.
3. Create spreadsheets designed to quantify borrowers personal global and real estate cash flows on an accurate and timely basis. This duty is performed daily about 25 of the time.
4. Create narrative analysis of findings and recommendations for lenders. This duty is performed as needed about 5 of the time.
5. Facilitate and attend loan committee meetings when directed by management. This duty is performed as needed about 5 of the time.
6. Review outgoing analysis prepared by the Credit Analyst I and Credit Analyst II positions. This duty is performed weekly about 15 of the time.
7. Complete required BSA/AML training and other compliance training as assigned. This duty is performed quarterly.
8. The ability to work in a constant state of alertness and in a safe manner. This duty is performed daily.
9. Perform any other related duties as required or assigned.
QUALIFICATIONS
To perform this job successfully an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge skill and/or ability required.
EDUCATION AND EXPERIENCE
Broad knowledge of such fields as accounting marketing business administration finance etc. Equivalent to a four year college degree plus 5 years related experience and/or training and 4 years related management experience or equivalent combination of education and experience.
COMMUNICATION SKILLS
Ability to read analyze and understand common scientific and technical journals financial reports and legal documents; ability to respond to complex or difficult inquiries or complaints from customers regulatory agencies or members of the business community.
MATHEMATICAL SKILLS
Ability to calculate figures and amounts such as discounts interest commissions proportions percentages area circumference and volume. Ability to apply concepts such as fractions ratios and proportions to practical situations.
CRITICAL THINKING SKILLS
Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written oral or diagram formats.
REQUIRED CERTIFICATES LICENSES REGISTRATIONS
Not indicated.
PREFERRED CERTIFICATES LICENSES REGISTRATIONS
Not indicated.
SOFTWARE SKILLS REQUIRED
Advanced: 10Key Accounting Spreadsheet Word Processing/Typing
Intermediate: Alphanumeric Data Entry
Basic: Presentation/PowerPoint
RESPONSIBILITY FOR WORK OF OTHERS
Carries out supervisory responsibilities in accordance with the organizations policies and applicable laws. Responsibilities may include but not limited to interviewing hiring and training employees; planning assigning and directing work; appraising performance rewarding and disciplining employees; addressing complaints and resolving problems.
Supervises a small group 37 of employees usually of lower classifications. Assigns and checks work; assists and instructs as required and performs same work as those supervised or closely related work a portion of the time. Content of the work supervised is of nontechnical nature but presents numerous situations to which policies and precedents must be interpreted and applied.
Supervises the following departments:
WORKING CONDITIONS
Normal working conditions as found within an office setting wherein there is controlled temperature and a low noise level plus a minimum of distractions.
ENVIRONMENTAL CONDITIONS
The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
PHYSICAL ACTIVITIES
The following physical activities 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 and expectations.
Semirepetitive low physical. Semirepetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.
While performing the functions of this job the employee is frequently required to walk sit use hands to finger handle or feel talk or hear; and occasionally required to reach with hands and arms stoop kneel crouch or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.
ADDITIONAL INFORMATION
Five 5 or more years of related experience and/or training
Four 4 years related management experience with managing projects systems and/or people
Analytically minded and possess good judgment.
Ability to mentor others
Proficient in Microsoft Word and Excel
Required Experience:
IC
Employment Type
Full-Time
