Credit Analyst

Middlefield Bank; Dublin (OH); On-site; USD 60,000 - 80,000; Full time

Job summary

A community bank in Ohio is seeking a Credit Analyst to analyze credit data and estimate risk in lending. Responsibilities include preparing financial statements and ensuring compliance with banking regulations. Candidates should have a Bachelor’s degree in accounting or finance, along with 3 years of commercial banking experience. Strong integrity, organizational skills, and proficiency in Excel are essential.

Qualifications

• Three (3) years of Commercial Banking experience is required.
• Ability to work with mathematical concepts such as ratio and trend analysis.
• Must possess the highest level of integrity and ethics.

Responsibilities

• Prepare financial statement analysis including evaluation of cash flow and collateral.
• Facilitate timely workflow of borrowing base email box.
• Ensure compliance with Bank policies and procedures.

Skills

Microsoft Excel

Organizational skills

Time management skills

Mathematical concepts

Financial analysis

Education

Bachelor’s Degree in Accounting or Finance

Job description

Join to apply for the Credit Analyst role at Middlefield Bank

The Middlefield Banking Company is a full-service FDIC-insured commercial bank and LPL Financial brokerage headquartered in Middlefield, Ohio. We have 21 branches serving communities across the region and also operate a Loan Production Office in Mentor, Ohio.

Dating back to 1901, The Middlefield Banking Company has been a leader in delivering quality personal financial service to its communities. We are continually recognized as one of the most profitable community banks in the U.S.

We are currently seeking a Credit Analyst to join our Credit Department. In this position you will be responsible for analyzing credit data in order to estimate the degree of risk involved in extending credit or lending money to firms or individuals. The incumbent may work independently or within a team.

Responsibilities

• Preparing financial statement spreads and complete written financial statement analysis including evaluation of cash flow and collateral for annual review documents for presentation to Credit Manager.
• Facilitating the timely workflow of the borrowing base email box.
• Facilitating the timely measurement of covenant compliance on credits that do not receive annual reviews.
• Updating ticker and covenant tracking based on above activity.
• Ensuring compliance with all Bank policies and procedures, as well as all applicable State and Federal banking regulations.

Requirements & Qualifications

• A Bachelor’s Degree with a concentration in accounting or finance, preferred.
• Three (3) years of Commercial Banking experience.
• Requires ability to work with mathematical concepts such as ratio and trend analysis.
• Proficient in Microsoft Excel and Word.
• Must possess organizational and time management skills.
• Ability to work with minimal supervision.
• Highest level of integrity and ethics.

Background Check and Credit Check Notice: As part of our standard hiring process, The Middlefield Banking Company conducts background checks and credit checks on all potential employees. This is done to ensure the safety and security of our workplace, as well as to assess an individual’s eligibility for certain roles that require financial responsibility. Any job offer made will be contingent upon the successful completion of these checks.

The Middlefield Banking Company is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, pregnancy, veteran status or any other protected characteristic as outlined by federal, state, or local laws.

Seniority Level

Mid-Senior level

Employment Type

Full-time

Job Function

Finance and Sales