Peoples Security Bank & Trust · 19 hours ago
Credit Analyst I
Moosic,PA,US
Full-time
Onsite
Entry Level
1+ years expPeoples Security Bank & Trust is a financial institution seeking a Credit Analyst I to provide analytical services for its lending activities. The role involves analyzing borrowers, conducting cash flow and collateral analysis, and preparing loan presentation summaries to ensure credit integrity.
BankingFinancial ServicesInsurance
Responsibilities
Responsible for providing analytical services relating to the lending activities of the Bank; achieving goals as established in the Credit Division’s annual operating plan; complying with operating policies and procedures established for the credit function; communicating with appropriate personnel; responding to inquiries or requests for information; maintaining appropriate records and providing assigned reports
Analyzes existing and prospective borrowers and performs all aspects of credit analysis to maintain credit integrity of loan portfolios
Conducts cash flow and collateral analysis
Identifies key risks to each approval request with appropriate mitigation
Identifies all exceptions to Credit Policy and provides appropriate mitigation
Assess all key strengths and risks of each approval requests and provides the Loan Officer with a recommended Risk Rating score
Analyzes and incorporates real estate market data and industry data into the loan presentation summary
Prepares the Loan Presentation Summary which is a written document that includes but is not limited to the proposed loan terms, cash flow analysis, collateral analysis and all other financial analysis
Spreads financial information including tax returns and accountant prepared statements using Sageworks software
Makes recommendations based upon creditworthiness of the borrower and terms of facility; provides support to the Loan Officer during presentations to the Senior Loan Committee or other approvers as required
Provides ongoing support to lending officers for the management of customer matters, including maintenance of customer credit files, regulatory and compliance matters, and general customer service
Performs special projects relating to the Credit Analysis Department and loan portfolio as well as other duties as requested by Senior Credit Officer
Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances
Qualification
Required
A B.S. or B.A. degree in Accounting, Finance, or Business normally required
Must demonstrate strong communication skills
Superior problem solving ability
Proficient analytical, writing and mathematics skills
Proficient PC skills specifically with Microsoft Excel and Word
Strong time management and prioritization skills
Working knowledge of financial statements and tax returns
Ability to analyze, investigate, research, and make recommendations on potential loans
A minimum of one (1) year's banking experience normally required
Company
Peoples Security Bank & Trust
Peoples Security Bank & Trust has become one of the largest independent community banks in eastern Pennsylvania with a footprint stretching through Pennsylvania, New York, and New Jersey.
201-500 employees
Funding
Current Stage
Public CompanyTotal Funding
$118M2025-06-06Post Ipo Debt· $85M
2020-06-01Post Ipo Debt· $33M
2014-04-02IPO
Leadership Team
Jeffrey Drobins
Executive Vice President, Chief Lending Officer
Neal Koplin
Senior Executive Vice President - Chief Banking Officer
Recent News
2025-11-01
2025-02-04
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