Credit Analyst I

Peoples Bank; Newton (NC); On-site; USD 52,000 - 70,000; Full time

Job summary

Peoples Bank seeks a Commercial Credit Analyst to develop and analyze credit information for diverse commercial loans. You will assist in preparing periodic management reports and maintain commercial credit files for external loan review.

The role involves underwriting support, client coordination, and collaboration with attorneys and internal teams to ensure accurate loan documentation.

Qualifications

• Bachelor's degree required.
• Knowledge of bank credit policy and procedures.
• Understanding of underwriting issues across diverse business types.
• Proficiency with PC including Word and Excel.

Responsibilities

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

Skills

Word and Excel

Calculator skills

Communication skills

Customer and attorney liaison

Financial statement analysis

Education

Bachelor's Degree

Credit policy knowledge

Job description

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)