Credit Analyst I
2 weeks ago
Works primarily as support personnel for lending division through spreading and analyzing financial statement and tax return data. Prepares business and individual financial statement spreadsheets and cash flow statements. Develops and maintains specialized spread sheets and templates. Occasional customer contact to obtain financial information. Performs other duties as requested by Credit Administration Officer.
Requirements
- College Degree, preferably with emphasis in finance or accounting.
- Fundamental understanding of basic accounting and financial ratios
- Detailed understanding of Microsoft Excel
Specific Job Functions
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
- Generate financial ratios, using computer programs, to evaluate customers' financial status.
- Prepare reports that include the degree of risk involved in extending credit or lending money.
- Complete credit analyses and summaries of loan requests, and submit to loan committees for approval.
- Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
- Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans.
- Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
This job has no supervisory responsibilities.
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.
While performing the duties of this job, the employee is frequently required to sit, stand; walk; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision and ability to adjust focus.
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.
A valid driver's license is required.
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