Credit Analyst II

AmeriServ Bank; Johnstown (Cambria County); On-site; USD 55,000 - 75,000; Full time

Job summary

AmeriServ Bank is seeking a Credit Analyst to support the Lending Division with credit analysis and financial evaluation. You will assess financial statements, document risk, and help structure loans while maintaining policy compliance and training junior analysts.

The role emphasizes timely analysis of the largest exposures, ongoing covenant monitoring, and strong collaboration with relationship managers to ensure sound lending decisions.

Qualifications

• Bachelor’s degree with accounting coursework through at least the intermediate level.
• Minimum of eighteen (18) months of commercial banking experience in the credit analysis department.

Responsibilities

• Prepare accurate, comprehensive credit analysis to support loan production and risk management.
• Evaluate financial statements and data to determine risk and document findings.
• Complete ratio, trend and cash flow analyses for meaningful reports.
• Ensure credit files are complete and collect missing documentation for approvals.
• Research borrowers, guarantors, and industry data for credit worthiness concerns.
• Promote consistent credit culture and interpret policy for loan structures.
• Assist in training and coaching less experienced analysts.
• Provide credit analyses of existing exposures and monitor financial covenants.
• Review real estate appraisals and related evaluations on time.
• Adhere to deadlines and stay current with banking and market risk issues.

Skills

Strong Analytical Skills

Problem Solving Skills

Deadline Driven

Ethical Conduct

Principled Time Management

Education

Bachelor’s Degree in accounting, finance, business, or related field

Tools

Microsoft Office

Internet

Job description

Administer assistance to lending officers of the bank by furnishing credit analysis and financial information evaluation services. Promote compliance with established credit policies and procedures. Functions at a largely independent level. As needed, provide assistance to Supervisor of Credit Analysis Department in training and coaching of less experienced Credit Analysts.

ESSENTIAL FUNCTIONS:

1. In support of the Lending Division, prepare accurate, comprehensive, and timely credit analysis as required by policy to support loan production efforts of the Lending Division with appropriate balance of credit risk management and compliance with credit policies. Evaluate financial statements and various credit data to determine and document the degree of risk in lending funds. Complete ratio, trend and cash flow analysis. Carefully analyze all data to produce meaningful, clear, and objective reports.

2. Ensure that credit files are complete, identify any documentation deficiencies, and work with relationship manager to anticipate, identify and collect documents as needed for timely approvals on new and existing credits. Thoroughly research borrowers, guarantors, and industry data, with focus on addressing any potential credit worthiness concerns.

3. Contribute to and participate in maintaining a consistent credit culture throughout the organization by promoting compliance with all credit policies and procedures, by providing support to the Lending Division in interpretation of policy and by providing assistance to the loan officers in evaluating appropriate loan structure relating to loan proposals and/or proposed loan modifications.

4. Assist the Credit Analysis Manager and Supervisor to provide direction, training, guidance and coaching to less experienced Credit Analysts.

5. Provide spreadsheet preparation services as requested by the Lending Division and provide credit analyses of existing lending exposures in the portfolio, with a goal of assuring annual analysis, in the minimum, of the largest 25 credit exposures of the Bank. Provide ongoing monitoring of financial covenants, including calculations, monitoring updates and communication of compliance status. Complete review of real estate appraisals and evaluations accurately and on time as assigned.

6. Adhere to project deadlines.

7. Maintain a good working knowledge of the Bank’s products, lending policies and procedures and identify exceptions to policy. Provide technical advice to relationship managers as needed.

8. Continually keep abreast of related legal, banking, industry, compliance, and market risk related issues.

9. Contribute to and participate in maintaining a consistent credit culture throughout the organization by promoting compliance with all credit policies and procedures.

10. Enhance and promote AmeriServ Financial Bank through participation in community organizations, activities, and projects.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

SUPERVISORY RESPONSIBILITY:

This position does not supervise employees.

WORK ENVIRONMENT:

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

PHYSICAL DEMANDS:

The employee is frequently required to: 1) Type or otherwise work with fingers; 2) Talk expressing or exchanging ideas by means of the spoken word. Those activities in which they must convey detailed or important spoke instructions to other workers or client accurately, loudly, or quickly; 3) Hearing – perceiving the nature of sounds at normal speaking levels with/without correction. Ability to receive detailed information through oral communication and make the discriminations in sound. Operating a motor vehicle and the ability to adapt to environmental weather conditions, as seasons change.

Sedentary work may require occasionally lifting of up to 25 pounds and/or move up to 30 pounds. This work involves sitting most of the time with walking, driving and sitting.

Specific vision abilities required by this job include: 1) viewing a computer monitor; 2) extensive reading; 3) driving.

TRAVEL:

No travel is required, except for possible (training and seminars)

COMPETENCIES:

2. Strong Analytical Skills

3. Computer Skills including Microsoft Office and Internet

4. Problem Solving Skills

5. Deadline Driven

6. Ethical Conduct

7. Principled Time Management

REQUIRED EDUCATION AND EXPERIENCE:

Bachelor’s Degree in accounting, finance, business, or related field with completion of accounting coursework through at least the intermediate level. Minimum of eighteen (18) months of commercial banking experience in the credit analysis department of the bank or equivalent. Demonstrate working knowledge of the bank’s credit policy.

Qualifications

Experience

Required

1 year:

Minimum of eighteen (18) months of commercial banking experience in the credit analysis department of the bank or equivalent.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.