Credit Analyst I at CNB Bank, Inc

Description

DEPARTMENT:  Credit

SEATED AT:        Spring Mills

REPORTS TO:     Credit Officer

The credit department is looking for an individual to analyze the creditworthiness and credit risk of commercial borrowers, including a review of financial statements and cash flow analysis. 

Who We Want:

Analytical Thinker –

• Analyze credit data and financial statements of individuals or businesses to identify the degree of risk involved in lending money or extending credit
• Ability to use technology and software to keep customer loan files, evaluate customer’s financial status, and produce financial ratios
• Prepare periodic reviews on existing loan relationships

Industry Expert –

• Responsible for determining risk ratings and developing terms of repayment for customers based on earnings, data, payment history, and purchase activity
• Strong knowledge of banking, credit processes, and loan compliance
• Ability to analyze and assess a borrower’s creditworthiness

Champion of Growth –

• Exceptional networking and relationship-building skills 
• Ability to multi-task with strong organizational skills
• Ability to maintain communication with the loan production staff during underwriting and the approval process

What You'll Do:

• Ability to determine the expected profitability of loans by analyzing financial data including quality of management, income growth, and market shares
• Responsible for composing reports detailing the degree of risk involved in the loan or credit request and recommends approval or denial based on results
• Prepare credit packages to be presented for approval
• Complete ratio, trend, and cash flow analysis and create projections
• Review external appraisals as well as prepare evaluations for collateral
• Accompany loan officers on client visits
• Represent the Bank at various civic and community functions

What You Get:

• Competitive pay
• Excellent benefits package, including 15 days of annual Paid Time Off (PTO). Eligible for medical, dental, and vision insurance (single and family) after 60 days of full-time employment. Insurance plans are HSA and FSA-compatible. CNB offers a 401(k) plan with an employer match available after 60 days of full-time employment. Eligible for life insurance, AD&D, and long-term disability after 90 days of full-time employment
• Paid national holidays that follow the Federal Reserve schedule
• Eligible for overtime pay when needed and approved

Requirements

• Bachelor’s degree in Business Administration, Accounting, Finance, or related field preferred 
• OR relevant banking experience
• Excellent customer service skills for both external and internal customers
• Strong written and verbal communication skills
• Ability to problem solve and recommend solutions 

EOE, including disability/vets