Credit Analyst

Mauch Chunk Trust Company; Jim Thorpe (PA); On-site; USD 55,000 - 85,000; Full time

Job summary

Mauch Chunk Trust Company is seeking a Credit Analyst to support Loan Officers with financial analysis and underwriting documentation. You will review financial statements, analyze cash flows, and prepare credit materials to guide lending decisions.

The role involves monitoring portfolios, performing annual credit reviews, and ensuring compliance with lending policies. Strong communication skills and knowledge of lending regulations are essential.

Qualifications

• Bachelor's in finance, accounting, or related field or equivalent experience.
• 1–3 years of credit analyst experience required.
• Knowledge of lending regulations required.
• Strong written, verbal, and presentation skills.
• Ability to read financial statements and perform cash flow analysis.
• Working knowledge of Microsoft Office.

Responsibilities

• Provides lending decision information including financial statement analysis and credit report review.
• Interprets financial trends and prepares standalone and global cash flows.
• Prepares credit approval memorandums with financial analysis and risk assessment.
• Coordinates with Loan Officers to monitor pipeline and decisioning.
• Performs credit maintenance and annual reviews of commercial relationships.
• Compiles reporting for audits and ensures compliance with policies.

Skills

Financial statement analysis

Credit report review

Cash flow analysis

Presentation skills

Education

Bachelor's degree in finance or accounting

Tools

Microsoft Office

Job description

Summary / Objective

Provides analytical support to Loan Officers by completing financial analysis and other documentation required for underwriting analysis and overall risk assessment. Responsible for financial review within the existing portfolio as well as the completion of credit maintenance and clerical functions.

Essential Functions

• Provides all pertinent lending decision making information including financial statement analysis, credit report review, account history, collateral valuation, and industry specific information and comparisons as required by the credit request.
• Interprets financial trends and key financial ratios and prepares standalone and global cash flows.
• Prepares credit approval memorandums including narrative and documentation of financial analysis, and identifies trends, strengths, weaknesses and associated mitigants to support lending decisions.
• Coordinates with Loan Officers to ensure regular pipeline monitoring and efficient decisioning.
• Performs credit maintenance functions such as assisting in clearing exceptions, collecting and tracking financial statements and maintaining credit and loan files.
• Performs annual renewals of lines of credit and conducts regular reviews of commercial relationships, assigning appropriate risk ratings and ensuring compliance with Bank loan policy.
• Performs supplemental cash flow analysis for consumer underwriters, specific to customers that are self‑employed.
• Compiles reporting including metrics on delinquency and concentrations, ACL and OREO account reconciliation.
• Tracks lending policy exceptions and participated/purchased loan volume on a quarterly basis.
• Completes reporting to assist in various audits.
• Complies with all corporate policies, procedures and federal regulations including BSA/AML and OFAC.

Required Education and Experience

• Bachelor's in finance, accounting, or a related field (or equivalent work experience) required.
• Minimum of 1-3 years of credit analyst experience required.
• Knowledge of Lending regulations required.
• Demonstrates professionalism in appearance, punctuality, attitude, and grammar.
• Strong written, verbal and presentation skills.
• Ability to read and interpret financial statements and perform cash flow analysis required.
• Working knowledge of Microsoft Office products.