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Consumers National Bank · 1 day ago

Credit Analyst

Minerva,OH,US

Full-time

Onsite

Entry, Mid Level

2+ years exp

Consumers National Bank is seeking a Credit Analyst to join their Credit Department. The role involves conducting analysis of commercial loans and determining borrowers' ability to repay obligations while managing risk for the bank.

BankingFinancial Services

Responsibilities

Analyze proposed and existing commercial credit relationships as determined by senior management

Determine if we have sufficient financial information to make an informed credit decision

Conduct detailed financial analysis on loans to determine if the borrower has the ability to repay the obligation

Determine if the borrower has the ability to repay all commercial and personal obligations

Review proposed or existing collateral to determine if the bank is adequately secured

Communicate with Originating Lender on the details of proposed and existing credits

Recommend structure and terms based on the financial and collateral analysis

Ensure that proposed credits are within bank policy unless approved otherwise

Recommend a Risk Rating to Originating Lender and/or Loan Review

Communicate with Loan Review and Chief Credit Officer (CCO) on any issues of concern on individual credits

Qualification

Financial analysisCredit analysisSageworksMicrosoft Office SuiteAnalytical skillsCustomer service skillsProblem-solving skillsCommunication skillsAttention to detailTeam collaboration