Credit Analyst I

AmeriServ Bank; Johnstown (Cambria County); Presencial; USD 60.000 - 90.000; Jornada completa

Descripción de la vacante

AmeriServ Financial Bank is seeking a Credit Analyst to support the Lending Division with thorough credit analysis and documentation. The role emphasizes risk assessment, financial review, and timely loan approvals.

You will prepare analyses, monitor covenants, and assist in loan package preparation for board and committee reviews. A Bachelor’s in accounting, finance, or business is required, with strong analytical and organizational skills.

Formación

• Bachelor’s degree in accounting, finance, business, or related field with accounting coursework to at least intermediate level.
• Strong analytical skills and ability to evaluate financial statements and credit data.
• Attention to policy compliance and risk management in lending.

Responsabilidades

• Prepare accurate, comprehensive credit analyses to support loan production and risk management.
• Evaluate financial statements and cash flow to determine risk and document findings.
• Ensure credit files are complete and collect missing documents for timely approvals.
• Monitor financial covenants and provide ongoing reporting on large exposures.
• Review real estate appraisals and evaluations as assigned.
• Assist in preparing loan packages for committees and board meetings.

Conocimientos

Strong Analytical Skills

Microsoft Office and Internet

Deadline Driven

Problem Solving Skills

Ethical Conduct

Time Management

Educación

Bachelor's degree in accounting/finance/business

Descripción del empleo

ESSENTIAL FUNCTIONS:

1. 1. In support of the Lending Division, prepare accurate, comprehensive, and timely credit analysis as required by policy to support loan production efforts of the Lending Division with appropriate balance of credit risk management and compliance with credit policies. Evaluate financial statements and various credit data to determine and document the degree of risk in lending funds. Complete ratio, trend and cash flow analysis. Carefully analyze all data to produce meaningful, clear, and objective reports.
2. 2. Ensure that credit files are complete, identify any documentation deficiencies, and work with relationship manager to identify and collect documents as needed for timely approvals on new and existing credits. Thoroughly research borrowers, guarantors, and industry data, with focus on addressing any potential credit worthiness concerns.
3. 3. Provide spreadsheet preparation services as requested by the Lending Division and provide credit analyses of existing lending exposures in the portfolio, with a goal of assuring annual analysis, in the minimum, of the largest 25 credit exposures of the Bank. Provide ongoing monitoring of financial covenants, including calculations, monitoring updates and communication of compliance status. Complete review of real estate appraisals and evaluations accurately and on time as assigned.
4. 4. Adhere to project deadlines.
5. 5. Maintain a good working knowledge of the Bank’s products, lending policies and procedures and identify exceptions to policy.
6. 6. Continually keep abreast of related legal, banking, industry, compliance, and market risk related issues.
7. 7. Contribute to and participate in maintaining a consistent credit culture throughout the organization by promoting compliance with all credit policies and procedures.
8. 8. Periodically aid the Supervisor of Credit Analysis to coordinate preparation and distribution of loan packages for the Credit Policy, Credit and Board Discount Committees, and loan meetings of the Board of Directors.
9. 9. Enhance and promote AmeriServ Financial Bank through participation in community organizations, activities, and projects.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

SUPERVISORY RESPONSIBILITY:

This position does not supervise employees.

WORK ENVIRONMENT:

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

PHYSICAL DEMANDS:

The employee is frequently required to: 1) Type or otherwise work with fingers; 2) Talk expressing or exchanging ideas by means of the spoken word. Those activities in which they must convey detailed or important spoken instructions to other workers or clients accurately, loudly, or quickly; 3) Hearing – perceiving the nature of sounds at normal speaking levels with/without correction. Ability to receive detailed information through oral communication and make the discriminations in sound. Operating a motor vehicle and the ability to adapt to environmental weather conditions, as seasons change.

Sedentary work may require occasionally lifting of up to 25 pounds and/or move up to 30 pounds. This work involves sitting most of the time with walking, driving, and sitting.

Specific vision abilities required by this job include: 1) viewing a computer monitor; 2) extensive reading; 3) driving.

TRAVEL:

No travel is required, except for possible training and seminars.

COMPETENCIES:

2. Strong Analytical Skills

3. Computer Skills including Microsoft Office and Internet

4. Problem Solving Skills

5. Deadline Driven

6. Ethical Conduct

7. Principled Time Management

REQUIRED EDUCATION and EXPERIENCE:

Bachelor’s Degree in accounting, finance, business, or related field with completion of accounting coursework through at least the intermediate level.

Education

Required

Bachelors or better in Accounting or related field.

Qualifications

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.