FT Credit Analyst I Lititz

JOB SUMMARY

Responsible for commercial loan underwriting and for providing administrative support to the Credit Administration and commercial lending functions of the Bank.

DUTIES AND RESPONSIBILITIES

• Prepare non-complex loan presentations for decisioning by Loan Officers CLO and Officers Loan Committee (OLC).
• Accurately identify and document all Loan Policy exceptions and recommend a risk rating based on established procedures.
• Prepare and submit for approval non-complex Annual File Reviews (AFRs).
• Track and monitor portfolio concentrations including Hotel/Motel Participations Tax Exempt CRE Storage Unit financing and Cannabis Related Businesses.
• Attend OLC meetings as needed providing an explanation of the financial analysis on assigned credits and act as backup for taking minutes.
• Attend credit-related meetings as needed providing an explanation of the financial analysis or taking minutes.
• Routinely incorporate compliance (knowledge of applicable laws/regulations) generally accepted lending principles and accounting basics in daily tasks.
• Evaluate and analyze financial statements personal and business tax returns personal financial statements borrower prepared projections management performance market or industry risk capital structure and collateral on non-complex relationships (i.e. - Investment properties Sole Proprietorships etc.).
• Utilize the Loan Operation System (LOS) to analyze credit worthiness discuss credit findings with lenders and recommend options to limit risk.
• Proofread written documentation (meeting minutes loan presentations correspondence etc.) to ensure clarity and compliance with generally accepted grammar and spelling standards
• Assist with assignments related to OLC Credit Risk Management Committee (CRMC) Loan Review and Audit as needed.
• Satisfy financial ticklers and upload financial information into the LOS for commercial loan requests and annual file reviews.
• Serve as a backup on performing due diligence functions (i.e. NAICS Domestic UPI EDR Flood Background UCC searches maturing loans etc.) and identifying red flags errors or other concerns.
• Promote and preserve JBTs values and culture.
• Follow Bank policy and procedure to prevent fraud and financial crimes.
• Other duties as assigned.