Credit Analyst

WAYNE BANK; Manheim Township (PA); On-site; USD 60,000 - 90,000; Full time

Job summary

Wayne Bank and Trust Co. is seeking a Credit Analyst to support the commercial underwriting processes in Lancaster, PA.

The role involves analyzing financial statements, tax returns, and credit reports to determine credit worthiness and to prepare loan presentations for Loan Committee approvals. The candidate should have at least 3 years of banking/financial analysis experience and a 4-year degree in Accounting or Finance.

Qualifications

• Excellent written and verbal communication.
• Strong analytical and financial statement analysis abilities.
• Knowledge of bank lending principles, policies, and lending laws.
• Moderate to advanced computer skills.
• Ability to work in a fast-paced environment and meet deadlines.

Responsibilities

• Provides lending decision information within the commercial underwriting process.
• Analyzes financial statements, tax returns, credit reports, collateral valuations, ratios, industry/market trends.
• Prepares loan presentations for Loan Committee approval for new applications, renewals, and modifications.
• Maintains accurate loan information in credit management software for reporting and tracking.

Skills

Communication skills

Analytical skills

Interpersonal skills

Organizational skills

Financial statement analysis

Ability to meet deadlines

Education

Accounting or Finance degree

Tools

Credit management software

Job description

Credit Analyst

Credit Full Time Lancaster, PA, US

3 days ago Requisition ID: 1691

Salary Grade: Associate - Manager III

Duties: Provides all pertinent lending decision making information as required within the commercial credit underwriting process. Provides important information which will be used to determine the credit worthiness of an applicant. Analyzes a combination of financial statements, tax returns, credit reports, collateral valuations, ratio & industry/market trend, and other such information deemed appropriate. Completes spreads of financial statements through the use of the banks Commercial Credit Management software. Prepares loan presentations for Loan Committee approval for new applications, renewals, loan review and modification requests. Uses banks credit management software to maintain accurate loan information for reporting purposes and for financial tracking.

Skills: Excellent communication (written and verbal), organizational, analytical, and interpersonal skills. A thorough knowledge of bank lending principles, policies and practices including knowledge of current lending and banking laws. Moderate to advanced computer skills and proficient financial statement analysis skills. Ability to work in a fast-paced environment and meet deadlines.

Experience: A minimum of 3 years experience in banking and financial analysis.

Education: 4-year degree in Accounting or Finance preferred.