Credit Analyst

The Commercial & Savings Bank (CSB) has been an independent community bank for 145 years, with 17 locations across Holmes, Medina, Stark, Tuscarawas, and Wayne counties. CSB is recognized as a top employer in our region as an eight-year winner of the NorthCoast 99 award (www.northcoast99.org), which recognizes the 99 best employers for top talent in Northeast Ohio.

This full-time position is located on-site at our Operations Center, in Millersburg, Ohio. In addition to a competitive base wage, CSB offers a wide variety of employee benefits listed below.

Summary: Analyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals.

Essential Functions: Essential duties and responsibilities include the following; however, other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Spreading financial statements using Credit Quest/Financial Analyzer program, identifying trend(s), and comparing results to industry averages
• Analyze credit information and present to loan officers and Credit Officer
• Assist in grading loans using the Bank's risk rating system
• Preparing financial analysis of watch list credits and completing quarterly action plans
• Conduct annual review on aggregate credit relationships in excess of $500K
• Identify and notate commercial loan policy exceptions
• Assist in credit analysis training for management trainees, new loan officers, and banking center managers
• Assist with preparation of cash flow and collateral analysis for commercial loans less than $500K and with aggregate credit relationships less than $500K
• Serve as the Secretary or back-up Secretary for the Officers' Lending Committee by taking minutes
• Assist with the Executive and Officer's Lending Committees loan packets preparation and distribution
• Review commercial appraisals and complete real estate evaluations
• Assist lenders with SBA applications and entering loans into the SBA's on-line approval system
• Demonstrates a commitment to CSB's vision, mission, and core values and seeks to align one's behavior in such a way that gives these foundational principles the best chance at becoming a reality.

Education: A high school diploma or general education degree (GED) is required. A four-year degree in a business-related field is preferred. A minimum of one year of related work experience is required.

Summary of Employee Benefits:

• Competitive base wage
• Incentive compensation and profit sharing
• Comprehensive benefits including medical, dental, vision, short- and long-term disability, and group life insurance - (plan and/or benefits eligibility requirements apply)
• Paid time off for vacation, illness, bereavement, and jury duty
• 401(k) with an employer match and on-site advisers
• Employee Assistant Program (EAP) with free access to mental health resources
• Comprehensive wellness program with financial incentives to promote a healthy lifestyle
• Training and professional development opportunities to help you reach your long-term goals
• Paid holidays available immediately upon hire
• Volunteerism opportunities to give back to our local communities

The Commercial & Savings Bank is an Equal Opportunity Employer.

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