Credit Analyst I: Loan Risk & Financial Analysis

Peoples Security Bank & Trust Company; Moosic (Lackawanna County); On-site; USD 55,000 - 75,000; Full time

Job summary

Peoples Security Bank & Trust Company is seeking a Credit Analyst to provide analytical services for lending activities, including cash flow and collateral analysis. The role supports loan officers, prepares detailed loan presentations, and maintains credit files in a regulated environment.

Ideal candidates possess a Bachelor's in Accounting/Finance/Business and strong skills in communication, analysis and Excel/Word, with at least one year of banking experience to assess risks and recommend

Qualifications

• Bachelor's degree in Accounting, Finance, or Business is required.
• Strong communication, problem solving, writing and mathematical skills.
• Proficient PC skills with Microsoft Excel and Word.
• Ability to analyze, investigate, research, and make recommendations on potential loans.
• Experience: minimum one year banking experience.

Responsibilities

• Provide analytical services relating to lending activities and credit analysis.
• Conduct cash flow and collateral analysis.
• Identify risks and mitigation for approval requests.
• Prepare Loan Presentation Summary with terms, cash flow, and collateral analysis.
• Spread financial information including tax returns using Sageworks.
• Support Loan Officer during presentations to the Senior Loan Committee.
• Maintain customer credit files and ensure regulatory compliance.
• Complete special projects for the Credit Analysis Department.

Skills

Communication

Problem solving

Analytical thinking

Writing

Mathematics

Excel

Word

Financial statements

Tax returns

Credit analysis

Education

Bachelor's degree in Accounting, Finance, or Business

Tools

Microsoft Excel

Microsoft Word

Job description

Peoples Security Bank & Trust Company is seeking a Credit Analyst to provide analytical services for lending activities, including cash flow and collateral analysis. The role supports loan officers, prepares detailed loan presentations, and maintains credit files in a regulated environment.

Ideal candidates possess a Bachelor's in Accounting/Finance/Business and strong skills in communication, analysis and Excel/Word, with at least one year of banking experience to assess risks and recommend