Credit Analyst

VETERANS ARE ENCOURAGED TO APPLY
The Credit Analyst will review the creditworthiness of individuals or businesses to determine the risk involved in lending money or extending credit.
Responsibilities:

- Analyzes credit data and financial statements of individuals or businesses to identify the degree of risk involved in lending money or extending credit.

- For individuals, performs research to verify employment and income, inspects reports from credit reporting agencies, and reviews FICO scores.

- For businesses, compares to similar businesses in terms of liquidity, profitability, and credit histories.

- Uses computer software to further evaluate customers’ financial status and produce financial ratios.

- Compiles information, completes loan applications, and composes reports detailing the degree of risk involved in loan or credit request; recommends approval or denial based on results.

- Sets interest rate and minimum or maximum term of repayment for customers based on earnings, savings data, payment history, and purchase activity.

- Determines the expected profitability of loans by analyzing a business’s financial data including quality of management, income growth, and market shares.

- Resolves customer complaints and verifies transactions through consultation.

- Identifies delinquent accounts through the review of individual or commercial customer files.

- Performs other related duties as assigned.
Requirements:

- Excellent verbal and written communication skills.

- Proficient in Microsoft Office Suite or related software, as well as analysis software.

- Basic understanding of relevant equipment, policies, procedures, and strategies used in credit analysis.

- Ability to identify discrepancies and problems.

- Bachelor’s degree in Accounting, Economics, Finance, Statistics, or Mathematics required.
Physical Requirements:

- Lifting up to 25 lbs. may be required infrequently.

- Must be able to remain in a stationary position 50% of the time.

- Constantly operates a computer and other office productivity machinery, such as a calculator, copy machine, and computer printer.
Benefits

- Medical, dental, life and vision insurance

- 401(k) Retirement Plan and Match

- Paid Time Off

- Specified Paid Holidays
Disclaimer:
This job description is a general outline of the day-to-day duties to be expected and may not cover all job responsibilities that may be assigned by management.