Credit Analyst II

• Prepares analyses on new and/or existing credits. Spreads and makes an interpretative analysis of financial statements and prepares memorandum for use in loan decision making.
• Analyzes annual financial statements and reports on changes in financial condition for existing relationships.
• Completes analysis on increasingly complex relationships
• Responds to a variety of inquiries and confirmations on commercial customers.  
• Assists in maintenance of system to ensure loan files have updated appraisals and other information.
• Assists in preparing loan packages for Officer and Board loan committee meetings. 
• Performs all duties in accordance with prescribed regulatory compliance guidelines.
• Analytical, communication, and interpersonal skills required.
• Provides guidance and system training to Credit Analysts I
• Completes projects assigned by Credit Manager

* Attend or complete required BSA/AML training as provided.

* Responsible for compliance with BSA policies and procedures including the identification and reporting of suspicious activity, and other BSA job specific duties.

Requirements

• Must demonstrate strong knowledge of commercial credit analysis including the ability to analyze repayment\sources, evaluate risk and determine collateral values.
• Working knowledge of accounting, credit analysis, and familiarity with loan and mortgage documentation
• Excellent word processing and PC skills  
• Must be detail oriented and able to meet strict deadlines
• Must possess excellent communication, organizational, customer service, interpersonal, and computer skills
• Able to use various types of office equipment, including personal computer and peripheral devices. Good understanding of Banks products and services. In addition to the