Senior Credit Analyst

Description

Senior Credit Analyst

Our MISSION guides us…To Make a Difference in Our Communities

We firmly believe that our employees are the driving force behind our MISSION. Join the Consumers team and join us in saying, “I make a difference”.

Consumers National Bank provides a community banking environment where achievements are recognized, and employees are empowered. Our organization provides an opportunity for professional growth with a collaborative, progressive leadership team while offering a culture that values employees, customers, and communities. We work together to exceed our customers’ and shareholders’ expectations and to build lifetime relationships with them, our friends, and neighbors.

Consumers National Bank is pleased to announce we are seeking an experienced Senior Credit Analyst to join our growing community bank. If you are seeking a Credit Analyst role that can have a direct impact on and input into growth strategies and successes, then we welcome you to apply for this exciting position.

The Senior Credit Analyst conducts analysis of commercial loans and/or loan relationships as determined by the Chief Credit Officer, Credit Department Analyst and Executive Management. Determines the borrower’s ability to repay all obligations by conducting analysis of financial information and determine the adequacy of available collateral and recommend possible loan structure to ensure that the bank limits its risk to a reasonable level. Flexible work schedule.

Background, credit, and previous employment checks apply to all applicants. Consumers National Bank is an Equal Opportunity Educational Institution/Equal Opportunity Employer, which includes providing equal opportunity for protected veterans and individuals with disabilities.

Job Specific Responsibilities

• Analyze proposed and existing commercial credit relationships as determined by senior management
• Determine if we have sufficient financial information to make an informed credit decision
• Conduct detailed financial analysis on loans to determine if the borrower can repay the obligation
• Determine if the borrower can repay all commercial and personal obligations
• Review proposed or existing collateral to determine if the bank is adequately secured
• Communicate with Originating Lender on the details of proposed and existing credits
• Recommend structure and terms based on the financial and collateral analysis
• Ensure that proposed credits are within bank policy unless approved otherwise
• Recommend a Risk Rating to Originating Lender and/or Loan Review
• Communicate with Credit Department Manager on any issues of concern regarding individual credits
• Communicate with Credit Department Manager and Chief Credit Officer on any portfolio trends that may be noted
• Cooperate with other departments, Loan Processing. Loan Operations, Consumer Underwriting, Internal Audit, Collections, and Loan Review, as needed
• Assist other departments in preparation of monthly reports, as needed
• Checking existing loan covenants as part of the annual review process
• Financial spreads and constructing cash flows on a regular basis
• Attend and participate in Loan Committee meetings

Requirements

Education/Experience

• Finance or related degree or equivalent/significant loan and/or audit experience preferred
• Minimum of 5 years lending or analysis experience
• Experience in SBA credit analysis preferred
• Demonstrated experience with business and technical analysis
• Intermediate knowledge of Sageworks, Abrigo, and Microsoft Office Suite including Outlook, Word, and Excel
• Able to exercise appropriate independent judgment and act on it
• Proven analytical, mathematical, and problem-solving skills
• Effective written and verbal communication skills
• Able to work logically and efficiently, with strong attention to detail
• Proven ability to effectively prioritize and execute tasks while under pressure
• Established customer service skills
• Experience working in a team-oriented, collaborative environment
• Consumers National Bank is an Equal Opportunity Employer