Junior Credit Administration Analyst

Job Description

The Junior Credit Analyst plays a crucial role in maintaining the quality of our loan portfolio by assisting in the analysis of all Commercial Real Estate / Residential loans under the Credit Administration & Independent Loan Review Policy and Lending Policies. This role involves a blend of analytical review, credit risk assessment, and administrative support within the Credit Administration Department.

Reports To

• Credit Administration Manager

Primary Responsibilities

• Prepare and examine loan files, ensuring completeness and accuracy.

• Conduct comprehensive analysis of borrower financial information, including but not limited to tax returns (personal and business), income statements, expense reports, rent rolls, credit reports, and appraisals.

• Prepare detailed written summaries and analyses of loan reviews and clearly articulate findings.

• Analyze financial statements and credit data of individuals, entities, and properties to determine if there is any risk involved.

• Conduct analyses of underwriting, policy adherence, and collateral support to determine risk grade for the loan and/or relationship.

• Provide a continuous evaluation of the quality of the Bank's loan portfolio.

• Review customer files to identify any delinquent accounts.

• Generate financial ratios to evaluate customer's financial status.

• Reach out to borrowers to request financial statements, as necessary.

• Scanning and filing documents, as necessary.

• Other duties as assigned.

Desired Skills & Experience

• BA or BS in Business Administration, Finance, Accounting, or related area is preferred.

• 1-3 years of experience in credit analysis, commercial lending, or a related field is desired.

• Strong analytical and problem-solving skills.

• Excellent written and verbal communications skills.

• Highly organized, detail oriented, and able to adhere to deadlines in a timely manner.

• Proficient in Microsoft Office Suite, including experience in Excel spreadsheets and Power Point Reports