Ridge View Bank Credit Analyst

Description

Credit Analysts are committed and significantly influential to the commercial lending process, assisting business development officers and members of management to make timely lending decisions that are beneficial to the Bank. In this position, a credit analyst reviews and analyzes business financial statements, personal financials, credit bureaus, debt schedules, collateral values, and industry trends to prepare concise and accurate reports for approval by management.

Senior analysts may be asked to support in the training of junior analysts, as well as to assist department management in preparing reports for Senior Management.

Below is a list of essential functions of this position. Additional responsibilities may be assigned in the position.

KEY RESPONSIBILITIES

• Analyze Business and personal financial statements
• Analyze Collateral Coverage
• Prepare Presentation Reports for Management to Decision Potential New Loans
• Prepare Reports for the Annual Review of Revolving Lines of Credit

ATTITUDES

Builds positive relationships with internal and external clients by valuing other's feelings and rights in both words and actions, and embracing other's unique beliefs, backgrounds, and perspectives by demonstrating:

• Respect for clients, co-workers and self
• Client Focus - making sure that the work we do and the solutions we provide can benefit both the Bank and the Client
• Inclusion - We are a diverse company across multiple states. As such, we need to be able to be inclusive of all our team members

BEHAVIORS

Demonstrates strong business ethics and honest behaviors and the ability to positively influence and work with others to achieve excellent results by demonstrating:

• Leadership in various potential ways when called upon to do so.
• Integrity, which is key to maintaining good public standing with our clients.
• Collaboration. We need to relay on many other teams and individuals to be able to meet our clients' needs, so being able to constructively work with others in our organization is key.
• Volunteerism. CNB likes for its employees to be involved in the communities in which they live. There are many different avenues for achieving volunteerism.

COMPETENCIES

Reflects skill, good judgement, positive conduct, and personal responsibility for assigned areas. Seeks to implement and leverage services and technologies that create efficiencies by demonstrating:

• Accountability - It is important for Credit Analysts to be able to stay on top of their workload and keep things moving forward when possible.
• Innovation - When appropriate, Credit Analysts may need to work with the lenders to find a solution that is alternate to the original request.
• Professionalism - All employees are expected to maintain professional conduct when in communication with other employees or clients.

POSITION LEVEL(S) EXPECTATIONS (if applicable)

• Credit Analyst I - Primary handles the underwriting of smaller loan requests
• Credit Analyst II - Continues work on smaller loan requests, but can proficiently and consistently produce quality work on mid-level loan requests
• Credit Analyst III - Primarily handles the larges loan requests that go to Loan Committee but may be called to work on mid-level and smaller loans as needed.

SEEKS PROFESSIONAL DEVELOPMENT OPPORTUNITIES

Actively participate in expanding skill sets and career paths by attending training programs, workshops, certifications, and educational resources relevant to the role. The type and scope of these opportunities will be discussed with the department manager when appropriate.

Requirements

QUALIFICATIONS, EDUCATION, & EXPERIENCE

To perform this position successfully, an individual must be able to perform each essential position requirement satisfactorily and a skills inventory is listed below. A high school diploma or general education degree (GED) is required, secondary education (i.e. Associates Degree or higher) is preferred. Prior analyst experience is not required but it preferred. A background screening will be conducted.

LANGUAGE SKILLS: Ability to read, comprehend, and interpret documents. Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization. Ability to communicate to clients directly and effectively.

TECHNOLOGY SKILLS: Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use. Prior experience or the ability to learn core transaction system, loan origination system and any other computer programs pertinent to performing job duties.

MATHEMATICAL SKILLS: Ability to add, subtract, multiply, and divide in all units of measure. Ability to calculate and understand financial ratios. Ability to calculate and understand cash flow.

REASONING ABILITY: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to solve challenging problems involving several variables in a standardized situation.

PHYSICAL DEMANDS AND WORK ENVIRONMENT: The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this position.

PLEASE UPDATE ACCORDINGLY. This position operates in a professional office environment with considerable time spent at a desk using office equipment such as computers, phones, and printers. Noise level is moderate with constant communication and interactions with others. Ability to travel on occasion to all market areas and attend seminars or training sessions offsite.

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

DISCLAIMER: This job description is not an exclusive list of responsibilities and duties. They may change at any time without notice.

BENEFITS

• Medical, Dental, Vision & Life Insurance
• 401K with company match
• Paid Time Off & Recognized Holidays
• Leave policies
• Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
• Employee Assistance Program
• Employee Health & Wellness Program
• Special Loan and Deposit Rates
• Gradifi Student Loan Paydown Plan
• Rewards & Recognition Programs and much more!

Eligibility requirements apply.

Ridge View Bank is an equal opportunity employer and all applicants are considered based on qualifications without regard to sex, race, color, ancestry, religious creed, national origin, sexual orientation, gender identity, physical disability, mental disability, age, marital status, disabled veteran or Vietnam era veteran status. CNB Financial Corporation is an Affirmative Action Employer and is committed to fostering, cultivating and preserving a culture of diversity and inclusion.

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