Credit Analyst

The Credit Analyst is responsible for performing various departmental functions including financial statement spreading, statement tracking, commercial credit write-up in standard format including financial analysis, maintaining loan grading, and reviewing credit documents as needed. The focus of this position is on producing high quality, detailed work that is consistent and accurate.

Duties and responsibilities

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

• Accurately spread financial statements and tax returns. Identify inconsistencies and inaccuracies.
• Draft commercial credit write-up in standard format. Prepare summary of facts concerning credit worthiness for new, renewal, and extension loans based on Loan Officer input and analysis of financial data.
• Assist in the preparation of annual credit reviews.
• Maintain statement tracking system and prepare reports to ensure timely receipt of customer financial information.
• Prepare and mail financial information letters.
• Prepare various reports. Reports include but are not limited to: Exceptions, Credit Quality, Past Due Loans, and Coming Due Loans.
• Input loan grading changes/updates accurately and timely.
• Must maintain confidentiality of customer information both inside and outside the bank.
• Ability to demonstrate compliance with all bank policies, procedures, and regulations for assigned job functions to minimize risk.
• Completes all required job-specific training.
• Promote CNB as a relationship community-building financial institution with focus on volunteerism and teamwork.
• Ability to exercise judgement, raise questions to management and adhere to policy guidelines.
• Approach co-workers positively and provide support.
• Other related duties as assigned