Job description
The following is a list of essential functions, which may be subject to change at any time and without advance notice. Management may assign new duties, reassign existing duties, or eliminate a function.
Work with Credit Manager, Credit Officer and CCO to ensure consistent and accurate credit analysis and loan presentations.
Prepare financial statement spreads and perform comprehensive analysis of cash flow
Evaluate individual personal financial statements, tax returns, and prepare global cash flows
Verify compliance with credit policy, applicable regulations and lending procedures
Conduct industry and market analysis to identify risks and risk mitigating factors
Prepare analysis and approval memo for more complex loan requests, reviews and renewals.
When appropriate, recommend actions such as approval, structural change, or decline.
Work with lenders to provide timely response and turnaround by monitoring and prioritizing pipeline.
Work to ensure the appropriate level of analysis is completed in a timely manner for all requests.
Develop, train, and coach less experienced Credit Analysts and Senior Credit Analysts.
Work with new, existing and troubled commercial lending relationships in understanding and analyzing cash flows, balance sheet, risks and overall strength and weaknesses of loans and requests.
Perform collateral valuations, and provide loan structure and covenant recommendations
Assist in developing "best in class" Credit Administration Loan Policy and procedure manuals.
Provide support for Special Assets Group and prepare quarterly loan impairment analysis as assigned.
Compliance
Comply with all applicable regulations and Bank policies regarding employment and employment law.
Participate in annual compliance and other job-related training.
Comply with applicable bank regulations, Bank policies and procedures.
Comply with Bank's internal privacy and ethics standards.
Relationships and contacts
Internal : Daily contact with commercial lenders, CCO, Credit Officer, Credit Manager, Credit Analysts and loan administrative assistants. Contact with special assets group as needed.
External : Frequent contact with borrowers, accountants and loan review.
Education and Experience
BA or BS in Accounting, Finance, Economics or related field required OR equivalent experience
Minimum 3-5 years' experience in credit analysis
Skills and competencies
Extensive experience in analyzing complex financial statements and tax returns.
Comprehensive knowledge of commercial lending, including loan structure, covenant, and risk analysis.
Extensive knowledge of collateral valuation methods.
Exceptional verbal and written communication skills.
Exceptional organization / time management skills.
Proficiency with Microsoft Office and able to quickly master the bank's technology and systems
Excellent communication and interpersonal skills with the ability to interact with all levels of personnel
Demonstrate professionalism in appearance, punctuality, attitude, and grammar. Maintain a clean, organized work area.
Demonstrated analytical and quantitative skills, with prior knowledge of accounting principles
An ability to balance priorities and exhibit organizational skills to manage both individual and multiple team priorities while meeting Service Level Agreements.
Ability to interact effectively with other bank personnel across functional lines.
Ability to articulate bank strategies and customer service philosophy
Excellent decision-making skills
Ability to multi-task in highly demanding environment
Efficient, high quality producer, with attention to detail
Good judgment & analytical skills with the ability to remain focused & work independently
Must be able to process constructive feedback & remain even tempered
Ability to drive, with a valid driver's license, to travel between offices and/or attend sales calls and customer visits
Penn community Bank is an equal opportunity employer.
#J-18808-Ljbffr
Work with Credit Manager, Credit Officer and CCO to ensure consistent and accurate credit analysis and loan presentations.
Prepare financial statement spreads and perform comprehensive analysis of cash flow
Evaluate individual personal financial statements, tax returns, and prepare global cash flows
Verify compliance with credit policy, applicable regulations and lending procedures
Conduct industry and market analysis to identify risks and risk mitigating factors
Prepare analysis and approval memo for more complex loan requests, reviews and renewals.
When appropriate, recommend actions such as approval, structural change, or decline.
Work with lenders to provide timely response and turnaround by monitoring and prioritizing pipeline.
Work to ensure the appropriate level of analysis is completed in a timely manner for all requests.
Develop, train, and coach less experienced Credit Analysts and Senior Credit Analysts.
Work with new, existing and troubled commercial lending relationships in understanding and analyzing cash flows, balance sheet, risks and overall strength and weaknesses of loans and requests.
Perform collateral valuations, and provide loan structure and covenant recommendations
Assist in developing "best in class" Credit Administration Loan Policy and procedure manuals.
Provide support for Special Assets Group and prepare quarterly loan impairment analysis as assigned.
Compliance
Comply with all applicable regulations and Bank policies regarding employment and employment law.
Participate in annual compliance and other job-related training.
Comply with applicable bank regulations, Bank policies and procedures.
Comply with Bank's internal privacy and ethics standards.
Relationships and contacts
Internal : Daily contact with commercial lenders, CCO, Credit Officer, Credit Manager, Credit Analysts and loan administrative assistants. Contact with special assets group as needed.
External : Frequent contact with borrowers, accountants and loan review.
Education and Experience
BA or BS in Accounting, Finance, Economics or related field required OR equivalent experience
Minimum 3-5 years' experience in credit analysis
Skills and competencies
Extensive experience in analyzing complex financial statements and tax returns.
Comprehensive knowledge of commercial lending, including loan structure, covenant, and risk analysis.
Extensive knowledge of collateral valuation methods.
Exceptional verbal and written communication skills.
Exceptional organization / time management skills.
Proficiency with Microsoft Office and able to quickly master the bank's technology and systems
Excellent communication and interpersonal skills with the ability to interact with all levels of personnel
Demonstrate professionalism in appearance, punctuality, attitude, and grammar. Maintain a clean, organized work area.
Demonstrated analytical and quantitative skills, with prior knowledge of accounting principles
An ability to balance priorities and exhibit organizational skills to manage both individual and multiple team priorities while meeting Service Level Agreements.
Ability to interact effectively with other bank personnel across functional lines.
Ability to articulate bank strategies and customer service philosophy
Excellent decision-making skills
Ability to multi-task in highly demanding environment
Efficient, high quality producer, with attention to detail
Good judgment & analytical skills with the ability to remain focused & work independently
Must be able to process constructive feedback & remain even tempered
Ability to drive, with a valid driver's license, to travel between offices and/or attend sales calls and customer visits
Penn community Bank is an equal opportunity employer.
#J-18808-Ljbffr