Credit Analyst

Responsibilities & Duties

Responsibilities & Duties Loan Processing
Collect necessary documents from clients and maintain well organized credit files.
Spread financial statements or tax returns to generate relevant ratios including DCRs under the supervision of a portfolio manager.
Assist in loan closing and funding including obtaining signatures on loan documents according to the Bank’s procedures.
Prepare credit memos that are simple or with minor complexity; and present credit memos to appropriate lending authority for approval.
Loan Maintenance/Monitoring
Monitor loan covenants and conditions per loan agreements and report violations to portfolio managers or relationship managers.
Prepare simple credit memos to report covenant/condition violations and to approve modifications and to make cash secured loans.
Process daily line advances for lines of credit and follow up on expired insurance policies.
Prepare various internal reports and payments such as LAR, monthly G/L certification, and invoices.
Conduct site visits and on-site interviews under the supervision of a portfolio manager.
Compliance
Comply with regulatory requirements including Reg B, HMDA, Bank Secrecy Act, OFAC, and USA Patriot Act, CRA, Privacy, and Security.
Comply with the Bank’s security program, including but not limited to: Review and comply with the End-User Computing Agreement.
Acquire good knowledge on functions and usage of computer systems as related to the assigned job functions.
Be current and knowledgeable in industry’s trend in safeguarding the Bank against confidential data leak, identity theft, fraudulent activities, and computer security threats.
Reports suspicious activities to manager, Chief Risk Officer or Information Security Officer.
Other Responsibilities
Provide administrative support to loan officers, portfolio managers, relationship managers.
Seek opportunities to grow relationship with customers.
· Participate in community organizations and/or events to help the Bank meet its CRA Objectives.
Assume additional duties as requested Job
Qualifications/Requirements
Excellent written and oral communication skills.
Excellent presentation skills.
Ability to respond effectively to the most sensitive inquiries or customer complaints.
Job Type: Full-time

Pay: $21.00
– $24.00 per hour

Benefits:
401(k)
401(k) matching
Dental insurance
Employee assistance program
Employee discount
Flexible schedule
Flexible spending account
Health insurance
Life insurance
Paid time off
Professional development assistance
Vision insurance
Schedule:
8 hour shift
Supplemental Pay:
Bonus pay
Work Location:
Multiple locations
Work Remotely:
No
Work Location: Multiple Locations

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