Credit Analyst Trainee

Civista Bank; Sandusky (AL); On-site; USD 42,000 - 65,000; Full time

Job summary

Civista Bank in Sandusky, Alabama is seeking a Credit Analyst Trainee to conduct credit investigations and prepare financial spreads for commercial loan requests. You will assist loan officers and management by presenting credit findings under supervision, while learning bank policies and regulatory standards.

The role emphasizes analyzing financial statements, performing market and industry assessments, and contributing to loan reviews and reporting for the Credit Administration team.

Qualifications

• Bachelor’s or associate degree in business; accounting/finance training acceptable
• Knowledge of financial statements and tax returns
• Proficiency with Excel, Word, Access, PowerPoint
• Understanding of banking industry practices
• High level of analytical ability, detail-oriented

Responsibilities

• Investigate credit sources and financial information from reporting services and bank references
• Spread and analyze financial statements using appropriate software
• Prepare summaries and offer opinions on credit worthiness under supervision
• Summarize conclusions in loan presentations and reviews
• Support credit administration reporting and policy development

Skills

Analytical ability

Written communication

Interpersonal skills

Time management

Attention to detail

Confidentiality

Initiative

Education

Bachelor's degree in business

Associate degree in business

Accounting/finance training post-high-school

Tools

Microsoft Office

Financial statement spreading software

Job description

Description

Position Purpose: Under supervision, the Credit Analyst Trainee will conduct credit investigations, prepares and interprets financial statements for detailed spreading, and analyzes routine credit information pertaining to Commercial Loan Requests and Loan Reviews Prepares reports and information for management and Loan Committees; furnishes information in relation to credit inquiries; provides assistance to commercial loan officers as request.

Description of Duties, Responsibilities and Expectations:

• Investigating all available sources of credit and financial information, including reporting services, credit bureaus, other companies, bank references, and in-house credit information.


• Spreading and analyzing financial statements and related material using the appropriate software programs.


• Under supervision, preparing summaries, presenting facts, and offering opinions concerning credit worthiness.


• Summarize conclusions in Loan Presentations and Loan Reviews.


• Conduct analysis of the market (customers) and industry (competition, suppliers, and potential new entrants) and management teams.


• Assist with special projects and reporting assignments in Credit Administration.


• Know and understand Bank/Credit policies and procedures.


• To provide computer support, including data entry, in the maintenance of the loan analysis systems.


• Understand new and pending laws and regulations that affect the organization’s credit practices.


• Participate in the ongoing development of commercial credit policies and procedures that safeguard the Bank.


• To provide and maintain reporting requirements on Bank customers’ credit obligations.


• Recommend risk grade changes.


• Complete Loan Reviews as directed by Lead Loan Review Analyst or Credit Administration Manager.

Requirements

Qualifications, Knowledge and Skills:

• Bachelor’s degree (business preferred), associate’s degree in business concentration, also acceptable; minimum: having some post HS training in accounting or finance if no degree.


• Commercial credit and lending experience a plus.


• A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature.


• Knowledge of banking industry practices relative to commercial banking.


• High level of analytical ability


• Strong written, verbal and interpersonal skills; ability to maintain confidentiality of information, as appropriate.


• Understanding of the components of financial statements and personal/corporate tax returns.


• Proficiency with Microsoft Office products (Word, Excel, Access, Power Point, etc.) and financial statement spreading software is required.


• A high level of initiative, thoroughness, accuracy and organizational skills required.


• Detail oriented with effective judgment and time management.

Physical Requirements:

• Work involves eye strain due to the frequent use of computer screens, reading of reports, entering information into a spreadsheet, and so forth.


• Work involves sitting most of the day.


• Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions


• Work involves lifting and moving loan files of up to 15 lbs.


• Work involves some travel, independently and with loan officers, to consult on financial loan information, training, meetings and so forth.

EOE - Race/Sex/Disability/Veteran

This Position Description is not a complete statement of all duties and responsibilities comprising this position.

Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this position at any time.