Credit Analyst I: Underwriting & Credit Risk Analysis

Jonestown Bank & Trust Co.; Lititz (Lancaster County); On-site; USD 50,000 - 70,000; Full time

Job summary

Jonestown Bank & Trust Co. seeks a candidate responsible for commercial loan underwriting and providing administrative support to the Credit Administration and commercial lending functions. The role involves preparing loan presentations, tracking portfolio concentrations, and ensuring compliance with applicable laws.

The ideal candidate will evaluate financial statements, utilize the Loan Operation System for credit analysis, and assist with various credit-related committees and audits. Attention to compliance and documentation clarity is essential in this position.

Responsibilities

• Prepare non‑complex loan presentations for decisioning by Loan Officers.
• Identify and document all Loan Policy exceptions and recommend a risk rating.
• Track and monitor portfolio concentrations including various financing types.
• Attend OLC meetings as needed, providing financial analysis explanations.
• Evaluate and analyze financial statements and borrower prepared projections.
• Utilize the Loan Operation System to analyze credit worthiness.
• Assist with assignments related to OLC, Credit Risk Management Committee, and Audit.

Job description

Jonestown Bank & Trust Co. seeks a candidate responsible for commercial loan underwriting and providing administrative support to the Credit Administration and commercial lending functions. The role involves preparing loan presentations, tracking portfolio concentrations, and ensuring compliance with applicable laws.

The ideal candidate will evaluate financial statements, utilize the Loan Operation System for credit analysis, and assist with various credit-related committees and audits. Attention to compliance and documentation clarity is essential in this position.