Credit Analyst

About the Role

The Credit Analyst provides basic credit analysis to support the Bank's lending function. The role aims to deliver consistent and reliable analytical services, enhance the quality of services provided by the Credit Management Division, and operate effectively within service level agreement timeframes.

Key Responsibilities

• Comply with and stay abreast of all policies, procedures, and applicable federal and state laws.
• Provide and promote "The Citizens Experience" to all customers.
• Review credit files for completeness based on submitted requests.
• Spread financial statements and/or tax returns using Moody’s statement analyzer.
• Use Excel or other spreadsheet programs to complete personal cash flows from tax returns, personal financial statements, credit reports, and other financial information.
• Discuss credit requests and financial information with Center and Department personnel.
• Prepare accurate, clear, and concise preliminary analysis of financial information and formulate questions for Credit Officers/Credit Administrators.
• Provide high-level administrative support to the Credit Management Department as needed, under the direction of the Chief Credit Officer or Deputy Chief Credit Officer.
• Perform other assigned duties.

Requirements & Tech Stack

• Moody’s statement analyzer
• Excel
• MS Word
• Basic computer skills

Qualifications

• Bachelor's degree (B. A.) from an accredited college or four-year university; or one to two years related experience and/or training; or equivalent combination of education and experience.
• Specific college-level courses in Accounting, including Introductory Accounting and Intermediate Accounting coursework.
• Good understanding of basic accounting concepts.

Skills

Language Skills

• Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
• Ability to write reports, business correspondence, and procedure manuals.
• Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Mathematical Skills

• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
• Ability to apply concepts of basic algebra and geometry.

Reasoning Ability

• Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions.
• Ability to deal with problems involving a few concrete variables in standardized situations.