- Junior
- Ufficio in Hudson
Description
Overview:
Under the direct supervision of the Senior Credit Analyst and/or Credit Department Manager, the analyst performs risk analysis on new credit requests and existing credit relationships for C&I, Commercial Real Estate and Commercial Construction Loans in accordance with established Bank policies and procedures. Focus is generally on the more straight-forward commercial loan relationships.
PRIMARY ACCOUNTABILITIES/RESPONSIBILITIES:
Performs any functions necessary, within scope of authority and expertise to provide the highest level of service and responsiveness:
- Ensures credit underwriting standards are applied consistently to credit requests. Conducts research and due diligence and applies appropriate underwriting techniques to assess the credit risk in individual credit requests.
- Conducts annual reviews on line of credit renewals.
- Spreads financial statements.
- May be called upon to work with the Credit Assistant in preparing various reports or in conducting research projects.
- Provides cross coverage support for the Credit Assistant.
OTHER ACCOUNTABILITIES / RESPONSIBILITIES:
Performs related and unrelated duties as may be required.
Requirements
- Minimum one year experience in banking preferred.
- Bachelor’s degree in Accounting, Finance, Economics, or Business.
- Motivation to learn and acquire credit analysis skills and knowledge in the commercial credit and loan risk management field.
- Demonstrated working knowledge of applied accounting and finance concepts as well as, an aptitude for performing financial analysis and attention to detail.
- Demonstrated proficiency with computer software including Excel, banking core processing systems and enterprise level data solutions.
Avidia Bank is an Equal Opportunity Employer/Veterans/Disabled
Member FDIC/DIF
PM21
