Credit Analyst I

Peoples-Bank; Newton (NC); On-site; USD 42,000 - 64,000; Full time

Job summary

Peoples-Bank is seeking a credit professional to analyze credit information for a range of commercial loans and support underwriting and documentation processes.

Ideal candidates will have a Bachelor's degree, strong analytical and communication skills, and familiarity with bank policy and regulatory requirements.

Qualifications

• Bachelor's Degree from an accredited four-year university.
• Knowledge of bank credit policy and procedures.
• Superior knowledge of commercial loan documentation requirements, regulations and Bank policy.
• Understanding of credit underwriting issues across diverse businesses.

Responsibilities

• Develops and analyzes credit information for various commercial loans.
• Assists in preparing periodic management reports.
• Maintains commercial credit files for external loan review.
• Assists in loan documentation and underwriting.

Skills

Word & Excel

Communication skills

Financial statement analysis

Credit underwriting

Bank policy knowledge

Commercial loan docs

Education

Bachelor’s Degree

Job description

Develops and analyzes all types of credit information pertaining to diverse types of commercial loans; assists in preparing periodic reports for use by management. Assists in the preparation and maintenance of commercial credit files for external loan review.Required Education/Knowledge:Bachelor’s Degree from an accredited four-year universityKnowledge of bank credit policy and proceduresSuperior knowledge of commercial loan documentation requirements, regulations and Bank policyUnderstanding of credit underwriting issues associated with a wide variety of businessPreferred Education/Knowledge:Knowledge of other areas of bank operationsRequired Experience:0 to 2 years’ experience in a lending environment of a financial institutionPrevious loan documentation and underwriting experiencePreferred Experience:Previous loan documentation and underwriting experienceRequired Skills:Proficiency with PC including Word and ExcelCalculator skillsWell-developed communication skillsAbility to deal with customers, co-workers and attorneysAbility to spread and analyze financial statements and tax returns (beneficial)