Credit Analyst

**Credit Analyst**

Hometown Bank of Pennsylvania is a fast-growing company in the Bedford, PA area that provides commercial loan products and services to its clients. We are looking for a motivated and detail-oriented individual to join our team as a Credit Analyst. This position is responsible for performing various duties to support the loan operations function.

**Education/Training**: A B.S. or B.A. degree in Business, Operations, Communication, Finance, or related field normally required; specialized financial analysis education/training.

**Experience**: Bachelor’s degree and no experience, or a minimum of four (4) years' related experience normally required.

**Responsibilities**:
Responsible for performing various duties to support the credit analysis function; coordinating work within the department, as well as with other departments; complying with operating policies and procedures established for the credit analysis function; communicating with appropriate personnel; responding to inquiries or requests for information; maintaining appropriate records and providing assigned reports.

1. Performs various duties to support the credit analysis function of which the following are illustrative but no inclusive:
a. Receives data on prospective and active borrowing accounts, i.e., financial statements, agency reports, and interview and investigation sheets.

b. Analyzes data and evaluates the short
- and long-run prospects of the individual or company.

c. May make recommendations to appropriate personnel on the granting or denying of loans; prepares sufficient information to document recommendations.

e. Provides thorough documentation of all financial analysis work, including ratios, risk rating, and other related information.

f. Ensures that all credit analysis activities are conducted in accordance with prescribed lending policy.

g. Monitors components of existing loans and provides follow up if necessary.

h. Reviews adverse loans semi-annually; gathers raw data and documents information to be submitted to the applicable lender for review and follow up.

i. May monitor incoming and outgoing wire transfers and checks related to participation loans; ensures accuracy of information and proper receipt of payments.

j. Requests and reviews annual financial statements, tax forms, and other pertinent financial data from commercial loan customers for commercial loans above a pre-specified aggregate amount.

Pay: $20.00 - $25.00 per hour

Expected hours: 40 per week

**Benefits**:

- 401(k)
- 401(k) matching
- Dental insurance
- Health insurance
- Paid time off
- Vision insurance

Schedule:

- 8 hour shift

Work Location: In person