Credit Analyst I

Peoples Bank - Newton, NC; Newton (NC); On-site; USD 55,000 - 75,000; Full time

Job summary

Peoples Bank - Newton, NC seeks a Credit Analyst to develop and analyze credit information for commercial loans and to assist in preparing periodic management reports. The role includes maintaining commercial credit files for external loan review to ensure documentation compliance and timely reviews.

Qualifications include a Bachelor's degree, knowledge of credit policy, and strong Excel/Word PC skills, with emphasis on financial statement analysis and underwriting fundamentals.

Qualifications

• Bachelor's degree from an accredited four-year university.
• Knowledge of bank credit policy and procedures.
• Understanding of credit underwriting issues associated with a wide variety of business.
• Strong communication and customer service abilities.

Responsibilities

• Develops and analyzes credit information pertaining to diverse types of commercial loans.
• Assists in preparing periodic reports for management use.
• Maintains commercial credit files for external loan review.

Skills

Communication skills

Customer interaction

Financial statement analysis

Tax return analysis

PC skills

Education

Bachelor's Degree

Tools

Excel

Word

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.

Qualifications

Required Education/Knowledge:

• 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 associated with a wide variety of business

Preferred Education/Knowledge

• Knowledge of other areas of bank operations

Required Experience

• 0 to 2 years’ experience in a lending environment of a financial institution
• Previous loan documentation and underwriting experience

Preferred Experience

• Previous loan documentation and underwriting experience

Required Skills

• Proficiency with PC including Word and Excel
• Calculator skills
• Well-developed communication skills
• Ability to deal with customers, co-workers and attorneys
• Ability to spread and analyze financial statements and tax returns (beneficial)