Credit Analyst I

Orrstown Bank; Harrisburg (Dauphin County); On-site; USD 52,000 - 72,000; Full time

Benefits offered by this job

Medical insurance

Vision insurance

Long-term disability

Short-term disability

Life and AD&D insurance

Job summary

Orrstown Bank in Harrisburg, PA is seeking a Credit Analyst I to support loan officers by compiling and analyzing financial data for commercial loans. This role involves preparing credit reports and presenting findings to the Credit Department.

Candidates should have a Bachelor’s in Business/Finance/Accounting or equivalent experience, strong analytical and communication skills, and proficiency with spreadsheets. The position is full-time at the Harrisburg Regional Office.

Qualifications

• Degree in Business, Finance, or Accounting required or equivalent experience.
• Experience with spreading and analyzing financial statements preferred.
• Strong knowledge of lending practices and banking regulations.
• Proficiency in analyzing and interpreting financial statements.

Responsibilities

• Assist loan officers with financial analyses for commercial loans.
• Prepare credit reports and documentation for borrower analysis.
• Develop credit information from various sources to evaluate creditworthiness.
• Prepare commercial loan presentations for approval authorities.

Skills

Financial analysis

Credit analysis

Communication

Mathematics

Interpersonal skills

Education

Bachelor’s degree in Business, Finance, or Accounting

Tools

Excel

Database software

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Credit Analyst I

Bank Administration Regular - Full time Professional Harrisburg Regional Office, Harrisburg, PA, US

Location

Harrisburg or York, PA, or mutually agreed upon location

Position Summary

Assist loan officers in connection with financial analyses of all types of credit information; develop and analyze all types of credit information pertaining to commercial loans; prepare credit reports; furnish information relative to credit inquiries; provide other assistance to loan officers as requested.

Qualifications

Bachelor’s degree in Business, Finance, or Accounting; equivalent work experience will be considered in lieu of a degree.

Recent college graduate or minimum one (1) year of experience in spreading and analyzing financial statements (business & personal); working knowledge of Credit Department practices and procedures.

Proficient reading, verbal and written communication, mathematical, computer, and interpersonal relations skills; solid working knowledge of current lending, loan review and banking regulations; proficiency in analyzing and interpreting financial statements; strong working knowledge of spreadsheet and database software.

Develop credit information, from various sources, for use by loan officers and approval authorities in evaluating creditworthiness of new and existing borrowers; prepare financial spreadsheets and compile supporting financial information; analyze financial information and related credit information to determine creditworthiness of borrower; may make recommendations to appropriate personnel on the granting or denying of loans; prepare sufficient information to document recommendations; provide thorough documentation of financial analysis work, including ratios and other related information; ensure credit analysis activities are conducted in accordance with prescribed lending policy.

Prepare commercial loan presentations for appropriate approval authority; ensure that up-to-date financial statements, accounts receivables agings, and other required items are current and on file.

At Orrstown Bank, our employees are our most valuable asset. Our benefits package is designed to help our team achieve work/life balance, maintain a healthy lifestyle, and plan for the future.

• Medical insurance
• Vision insurance
• Long-term disability
• Short-term disability
• Employee, spouse and dependent life and AD&D insurance