Credit Analyst II

Horizon Bank; Indiana (PA); On-site; USD 55,000 - 75,000; Full time

Job summary

Horizon Bank seeks a Credit Analyst II to evaluate loan requests for agricultural and real estate financing. You will review financial data, borrower performance, and management capabilities to determine credit worthiness and risk levels for commercial lending.

Responsibilities include presenting quality loan analyses, adhering to regulatory standards, and protecting customer information while supporting Horizon Bank’s community involvement.

Responsibilities

• Underwrites loan requests for agricultural business and real estate, reviewing and analyzing financial data to assess credit worthiness.
• Ensures accurate and timely loan risk rating determinations and quality loan presentations.
• Maintains regulatory compliance with standards including the Bank Secrecy Act (BSA) and internal policies.
• Represents the Bank professionally in interactions with internal and external customers and communities.

Job description

Do you want to apply your financial analysis expertise to help Horizon Bank maintain its sound lending practices? The Credit Analyst II underwrites loan requests for agricultural business and real estate, reviewing and analyzing financial and industry data, borrower performance, and management capabilities to assess credit worthiness and estimate the degree of risk involved in extending credit to commercial customers.

PRINCIPAL ACCOUNTABILITIES

The Credit Analyst II is accountable for meeting specified goals related to proper loan risk rating determinations, quality loan presentation and productivity. This role represents the Bank with a courteous , professional manner in face-to-face, written, and telephone communications with both internal and external customers. It is responsible for adherence to regulatory compliance standards including the Bank Secrecy Act (BSA), company policies and procedures, as well as the quality and timeliness of departmental activities. The Credit Analyst II actively protects the confidentiality of customer and account information, and demonstrates Horizon Bank’s commitment to the communities we serve through active involvement in local organizations and events.