Junior Credit Administration Analyst

Job Description

The Junior Credit Analyst plays a crucial role in maintaining the quality of our loan portfolio by assisting in the analysis of all Commercial Real Estate / Residential loans under the Credit Administration & Independent Loan Review Policy and Lending Policies. This role involves a blend of analytical review, credit risk assessment, and administrative support within the Credit Administration Department.

Reports To
• Credit Administration Manager

Primary Responsibilities
• Prepare and examine loan files, ensuring completeness and accuracy.
• Conduct comprehensive analysis of borrower financial information, including but not limited to tax returns (personal and business), income statements, expense reports, rent rolls, credit reports, and appraisals.
• Prepare detailed written summaries and analyses of loan reviews and clearly articulate findings.
• Analyze financial statements and credit data of individuals, entities, and properties to determine if there is any risk involved.
• Conduct analyses of underwriting, policy adherence, and collateral support to determine risk grade for the loan and/or relationship.
• Provide a continuous evaluation of the quality of the Bank’s loan portfolio.
• Review customer files to identify any delinquent accounts.
• Generate financial ratios to evaluate customer’s financial status.
• Reach out to borrowers to request financial statements, as necessary.
• Scanning and filing documents, as necessary.
• Other duties as assigned.

Desired Skills & Experience
• BA or BS in Business Administration, Finance, Accounting, or related area is preferred.
• 1-3 years of experience in credit analysis, commercial lending, or a related field is desired.
• Strong analytical and problem-solving skills.
• Excellent written and verbal communications skills.
• Highly organized, detail oriented, and able to adhere to deadlines in a timely manner.
• Proficient in Microsoft Office Suite, including experience in Excel spreadsheets and Power Point Reports

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