Credit Analyst

Overview
Peoples Exchange Bank is built on tradition, service and trust. Since the first meeting of original charter board members, we have been locally owned and operated. Our founders set high standards of excellence for our organization, our operations, and our people for over 100 years. We have always been proud to be a pioneer in our marketplace by offering banking products and services to benefit our friends in the communities we serve. As times change, so do the needs of our customers. Peoples Exchange will always be offer top notch customer services maintaining our hometown, friendly service that our customers have grown to expect.

Equal Opportunity Employer M/F/Disability/Veteran

Job Skills / Requirements
The Credit Analyst position is to limit the bank's credit and repayment risk thru measuring and analyzing cash flow for new, renewal and portfolio loan requests. Keeping management informed of deteriorating financial profits of borrowers and/or lenders practices, financial trends, and compliance problems. Managing the credit risk profiles for the entire organization. This position works closely with lenders by analyzing financial data and communicate financial facts, interpretations, and projections verbally and in writing. Evaluates loans for credit risk according to predetermined factors, such as geographical location, type, and amount of loan; records data on work sheet, including purpose of loan, balance, and repayment terms; assigns risk rating, indicating borrower's financial strength and probability of loan repayment.

A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. Work may involve motivating or influencing others. Strong communication skills is preferred.

Experience in all aspects of lending including real estate, commercial, and consumer. Capable of operating Excel spreadsheets and word processing programs. Understanding of financial software and report writing. Understanding of types of nature of financial statements, corporate and personal tax returns, corporate structure, and contingent liabilities.

Education Requirements (Any)
High School Diploma or GED required. College degree in Accounting or Finance preferred.

Additional Information / Benefits
Peoples Exchange pays for full-time employee only plans in the following benefit areas: Life Insurance, Long Term Disability and Short Term Disability.

The ideal candidate will have one or more years experience.

Benefits: Medical Insurance, Life Insurance, Dental Insurance, Vision Insurance, Paid Vacation, Paid Sick Days, Paid Holidays, Short Term Disability, Long Term Disability, 401K/403b Plan, Educational Assistance

Screening Requirements: Drug Screen, Criminal Background Check, Credit Check, Skills testing.

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