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AmeriServ Financial Bank · 1 month ago

AVP Credit Analyst III

Johnstown, PA

Full-time

Onsite

Mid, Senior Level

5+ years exp

AmeriServ Financial Bank is seeking an AVP Credit Analyst III to assist lending officers by providing credit analysis and financial evaluation services. The role involves preparing comprehensive credit analyses, ensuring compliance with credit policies, and training less experienced analysts.

BankingCrowdfundingFinancial ServicesVenture Capital

Responsibilities

Prepare accurate, comprehensive and timely credit analysis as required by policy to support loan production efforts of the Lending Division with appropriate balance of credit risk management and compliance with credit policies

Evaluate financial statements and various credit data to determine and document the degree of risk in lending funds

Complete ratio, trend and cash flow analysis

Carefully analyze all data to produce meaningful, clear and objective reports

Ensure that credit files are complete, identify any documentation deficiencies, and work with relationship manager to anticipate, identify and collect documents as needed for timely approvals on new and existing credits

Thoroughly research borrowers, guarantors and industry data, with focus on addressing any potential credit worthiness concerns

Contribute to and participate in maintaining a consistent credit culture throughout the organization by promoting compliance with all credit policies and procedures, by providing support to the Lending Division in interpretation of policy and aiding the loan officers in evaluating appropriate loan structure relating to loan proposals and/or proposed loan modifications

Serve as an internal training resource by assisting the department supervisor to provide direction, training, guidance and coaching to less experienced analysts, specifically with review of analysis, reports and/or projects completed by junior analysts to ensure accuracy

Provide spreadsheet preparation services as requested by the Lending Division and provide credit analyses of existing lending exposures in the portfolio, with a goal of assuring annual analysis, in the minimum, of the largest 25 credit exposures of the Bank

Provide ongoing monitoring of financial covenants, including calculations, monitoring updates and communication of compliance status

Complete review of real estate appraisals and evaluations accurately and on time as assigned

Adhere to project deadlines and maintain a good working knowledge of the Bank’s lending policies and procedures and identify exceptions to policy

Provide technical advice to relationship managers as needed

Continually keep abreast of related legal, banking, industry, compliance and market risk related issues

Contribute to and participate in maintaining a consistent credit culture throughout the organization by promoting compliance with all credit policies and procedures, by providing support to the Lending Division in interpretation of policy and by helping the loan officers in evaluating appropriate loan structure relating to loan proposals and/or proposed loan modifications

Enhance and promote the Bank through participation in community organizations, activities, and projects

Qualification

Credit AnalysisFinancial Statement EvaluationRisk ManagementCommercial Banking ExperienceMicrosoft OfficeAnalytical SkillsDeadline DrivenEthical ConductComposure Under PressureHandle Multiple ProjectsCommunication SkillsTime Management