Credit Analyst

6 days ago


Rochester, United States Profile Bank Full time

**Summary**: Reporting to the Executive Vice President of Commercial Lending, analyze current and historical credit data and financial statements of individuals and businesses to determine the degree of risk involved in extending credit. Prepares Commercial Credit Approval Forms and memos with this credit information for use in loan decision making.

**Duties and Responsibilities** include the following. Other duties may be assigned.

1. Analyze credit data and financial statements to determine the degree of risk involved in extending credit.

2. Analysis of personal and business financial statements and/or tax returns that includes historical performance evaluation, assessment of projections if applicable, and cash flow analysis that determines the ability to repay the existing or proposed debt.

3. Analysis of non-financial risk including succession planning, depth of management, and industry related risk.

4. Prepare memos and/or loan presentations that include the degree of risk involved in extending credit including the assignment of Risk Rating as outlined in the Commercial Lending Policy.

5. Generate financial statement spreads including financial ratios, using computer programs, to evaluate customers’ financial status.

6. Portfolio maintenance including maintaining up to date financial information and completing annual credit reviews.

7. Commercial Loan Watch Report preparation.

8. Assist in developing or amending Commercial Loan Policies and Procedures.

9. Review of closed loans including document accuracy and operating system structure.

10. Cross trains as needed to provide back-up assistance to the Commercial Loan Assistant.

**Benefits**:

- 401(k)
- Dental insurance
- Employee assistance program
- Health insurance
- Health savings account
- Life insurance
- Paid time off
- Parental leave
- Professional development assistance
- Referral program
- Tuition reimbursement
- Vision insurance

Physical setting:

- Office

Schedule:

- 8 hour shift
- Monday to Friday

Work Location: In person



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