Credit Analyst

3 weeks ago

East Canton, United States Farmers National Full time

Description

To use all information in creating a clear picture of the customer's financial position. This is vital to the Lenders; it allows them to make well informed decisions before entering into a lending relationship with the customer.

ESSENTIAL DUTIES and RESPONSIBILITIES

include, but are not limited to the following:

Compose analysis based on historic, projected, and stressed financial information. This analysis will clearly illustrate the customer's ability to re-pay the requested amount, and is accomplished by creating cash flow statements for each participant and writing an analysis of their performance over the past three (3) years.

Project the customer's performance for the next year by using customer prepared projections, analyst prepared projections, or a combination thereof.

Effectively communicate with the lenders to clearly understand all factors contributing to the loan request.

Generate questions to the lender for the purpose of completing the credit presentation, accuracy of cash flow, and to resolve any other discrepancies in the underwriting.

Translate and interpret financial data from tax returns, compilations, reviews, and audited statements; personal statements; and other financial statements to create spreads utilizing WebEquity software.

Access Kroll Factual Data to obtain and analyze Tri-Merge Credit Bureau reports on individual participants in the request

Utilize web sources, such as the Ohio Secretary of State or the Mahoning County Auditor to retrieve other necessary information

Access Fiserv/Viewpoint to research the customer's complete deposit and loan relationship with the Bank

Recognize the level of analysis that is appropriate for the request

Retrieve industry information through First Research and demographic information through SNL financial via the Internet.

Perform reviews for Special Assets' commercial relationships

Establish/organize all loan information in credit file

Attend meetings with lenders and clients as needed

Accurately risk grade borrowers, co-borrowers, and guarantors

Ensure proper aggregate exposure and coding of credit facilities, both new and existing

Review appraisals and environmental reports to ensure accurate collateral analysis

Understand various business entities structures and required documents needed for verification

Understand and apply credit policies and procedures

Attend and participate in weekly staff meetings and training

Special projects assigned by Commercial Credit Manager as needed

Complete all mandatory and elective training, including BSA (Bank Secrecy Act) and Anti-Money Laundering procedures. Maintain compliance with all appropriate rules and regulations

Regular, predictable attendance is an essential requirement of this position

EDUCATION and/or EXPERIENCE:

Bachelor's degree (BA) in Accounting or Finance from four (4) year college or university

Minimum of one (1) year commercial credit analyst experience

Strong background in working with financial statement and advanced understanding of the information available on financial statement and how they related to the customer's business operations and ability to repay loan.

Knowledge of Word, Excel, and Outlook and Internet navigation/research is expected

Ability to clearly and effectively communicate both verbally and in writing

Farmers National Banc Corp. is an Equal Opportunity Employer: disability/veteran Qualifications Education

Bachelors of Finance (required) Skills

Microsoft Excel (required) Risk Management (preferred) Commercial Lending (preferred) Credit Analysis (required)

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c) #J-18808-Ljbffr

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