Junior Credit Administration Analyst

Job Description

The Junior Credit Analyst plays a crucial role in maintaining the quality of our loan portfolio by assisting in the analysis of all Commercial Real Estate / Residential loans under the Credit Administration & Independent Loan Review Policy and Lending Policies. This role involves a blend of analytical review, credit risk assessment, and administrative support within the Credit Administration Department.

Reports To
? Credit Administration Manager

Primary Responsibilities
? Prepare and examine loan files, ensuring completeness and accuracy.
? Conduct comprehensive analysis of borrower financial information, including but not limited to tax returns (personal and business), income statements, expense reports, rent rolls, credit reports, and appraisals.
? Prepare detailed written summaries and analyses of loan reviews and clearly articulate findings.
? Analyze financial statements and credit data of individuals, entities, and properties to determine if there is any risk involved.
? Conduct analyses of underwriting, policy adherence, and collateral support to determine risk grade for the loan and/or relationship.
? Provide a continuous evaluation of the quality of the Bank?s loan portfolio.
? Review customer files to identify any delinquent accounts.
? Generate financial ratios to evaluate customer?s financial status.
? Reach out to borrowers to request financial statements, as necessary.
? Scanning and filing documents, as necessary.
? Other duties as assigned.

Desired Skills & Experience
? BA or BS in Business Administration, Finance, Accounting, or related area is preferred.
? 1-3 years of experience in credit analysis, commercial lending, or a related field is desired.
? Strong analytical and problem-solving skills.
? Excellent written and verbal communications skills.
? Highly organized, detail oriented, and able to adhere to deadlines in a timely manner.
? Proficient in Microsoft Office Suite, including experience in Excel spreadsheets and Power Point Reports

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