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Credit Analyst

Company: Exchange Bank
Location: Santa Rosa
Posted on: June 7, 2021

Job Description:


Credit Risk Analysis: 70%

  • Complete comprehensive financial and risk analysis and documentation including the review of tax returns, financial
  • statements, credit reports, and other relevant information.
  • Monitor the loan covenant compliance process for assigned loans to ensure compliance with financial covenants and reporting requirements including sending compliance letters, and adjusting risk grades.
  • Analyze business financial statements and tax returns for appropriate spreading using the Bank's loan origination software.
  • Analyze personal financial statements and tax returns (including K-1's) for appropriate spreading and/ or cash flow analysis into loan origination software program.
  • Complete borrowing base/collateral analysis.
  • Ensure compliance with borrowing base certificates and notify management of delayed receipt or over advance situations.
  • Identify and report relevant trends that may impact collectability and identify loan segments that represent potential problem for loan portfolio.
  • Ensure timely renewal, and amendments and extension letters preparation for Letters of Credit.
  • Analyze and underwrite new loan request on application only form, as requested.
  • Analyze and underwrite simplified renewing lines of credits or loans on short form, as requested.
  • Assist as back up administrator for loan origination software updates and training.
  • Prepare simplified Credit Presentations (credit memos and CITs) for review by loan officer.
  • Assist with Credit Support Specialist duties as needed.

Reporting: 20%

  • Maintain department's compliance and reporting reports on a daily basis.
  • Assist in providing written reports to management on violations of loan covenants and conditions for assigned portfolio.
  • Monitor and prepare monthly and semi-annual Compliance Report on loan portfolio performance, including non-compliance with covenants.
  • Complete quarterly BSA report.
  • Prepare annual submission of financial data to RMA.

Non-Essential Functions: 10%

  • Perform special projects and research as assigned.
  • Perform other duties as assigned.

Core Job Specific Competencies:

  • Analytical Thinking: Divides an object or issue into its component parts in order to understand how they interrelate; recognizes cause and effect relationships; considers several explanations/plans and makes logical conclusions.
  • Continuous Learning: Takes responsibility for own learning and development by acquiring and refining of technical and professional skills needed in job related areas; proactively seeks performance feedback and identifies approaches to improve own performance.
  • Influence: Gains cooperation, support, commitment, and action for ideas, proposals, projects, and solutions; mobilizes people to take action using creative approaches to motivate and empower others.
  • Prioritization/Time Management: Assesses multiple tasks or issues which are competing for a limited amount of time or resources and determines the order in which each will be addressed; sets priorities, goals, and timetables to achieve maximum productivity; tracks both completed and incomplete activities.
  • Verbal Communication: Expresses ideas effectively in individual and group situations adjusting style and methods to meet the specific needs of the audience; attentively listens to others to gather data and paraphrase meaning to verify understanding.
  • Business Acumen: Demonstrates thorough understanding of a wide range of elements of the Bank's business and the customers, industries, and partners with which the Bank is involved; has knowledge of competitor offerings, and understands the Bank's related products and services, as well as existing gaps.
  • Problem Solving: Develops actionable recommendations based on an understanding of trade-offs; commits to action after identifying alternative methods that are based on logical assumptions and information; takes into consideration resources, constraints, organizational values, and changing environments.
  • Written Communication: Uses correct English grammar, punctuation, and spelling; communicates information (for example facts, ideas, or messages) in a succinct and organized manner; produces written information, which may include technical material that is appropriate for the intended audience.

Knowledge, Skills and Abilities:

  • Expert knowledge of spreading business and personal financial statements
  • Experienced with monitoring and calculating financial covenants - Ability to review and interpret Business Loan Agreements
  • Experienced with monitoring and calculating Borrowing Bases for Asset Based Loans
  • Experience using Financial Analyzer (Credit Quest) is highly preferable
  • Knowledge and experience working with Stand By Letter of Credit is preferable
  • Knowledge of financial statement analysis and accounting principles.
  • Knowledge of small business lending and leasing practices, procedures, regulations and loan documentation requirements.
  • Skills operating loan documentation and financial management software.
  • Skills operating a personal computer including word processing, spreadsheet and presentation software.
  • Ability to attend early morning and evening meetings.
  • Through knowledge of financial statement analysis, business finance and loan economics.
  • Knowledge of commercial loan documentation procedures and regulations.
  • Knowledge of Credit Quest preferred.

Physical Requirements:

  • Ability to stand, bend, stoop, sit, walk, twist and turn.
  • Ability to lift up to 25 pounds occasionally.
  • Ability to use a computer keyboard and calculator.
  • Work environment is indoors, majority of the time is spent sitting at a desk.A combination of education and experience equivalent to a bachelor's degree in finance, accounting or closely related field; and knowledge typically gained through a minimum of five years experience in commercial lending or compliance.

Education and Experience:

A combination of education and experience equivalent to a bachelor's degree in finance, accounting or closely related field; and knowledge typically gained through a minimum of five years experience in commercial lending or compliance.

Keywords: Exchange Bank, Santa Rosa , Credit Analyst, Other , Santa Rosa, California

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