Credit Analyst II
: Job Details :

Contributes to the loan decision-making process and sound portfolio management by providing in-depth credit analysis on new and existing clients for Business Banking Officers and Loan Committees. Monitors loan files for adequate and current financial information and documentation. Understands and completes job responsibilities in accordance with federal and state regulations. Essential Functions:Credit Underwriting 80%Completes loan requests and reviews, focusing on moderate to complex credit levels. Inputs information into financial spreading software and trend recognition. Analyzes business and personal financial information, tax returns, and credit bureaus. Use this information to create cash flow analysis, trend ratios and collateral analysis to determine the overall risk to the Bank. Identifies, requests, and tracks information needed to complete the credit analysis. Identifies and reports areas of concern. Ensures compliance with federal, state, and bank regulations. Reviews loan...Credit Analyst, Analyst, Officer, Business, Credit, Skills, Technology