Entry-Level Credit Risk Analyst

Pennian Bank; Mifflintown (Juniata County); On-site; USD 52,000 - 75,000; Full time

Job summary

Pennian Bank is seeking a Credit Analyst to support the credit analysis function through financial analysis, documentation, reporting, and compliance activities. You will assist in evaluating credit risk, preparing analyses for lending decisions, and maintaining records in accordance with bank policies and regulatory requirements.

The role emphasizes coordination within the department, adherence to procedures, and accurate documentation of analyses and ratios to inform lending decisions.

Qualifications

• Bachelor's degree in a related field preferred.
• Specialized financial analysis training preferred.

Responsibilities

• Perform credit risk analysis on prospective borrowers, including non-complex credits.
• Review borrower documentation: tax returns, financial statements, credit reports, agency reports.
• Analyze financial information and evaluate short- and long-term prospects of individuals and businesses.
• Prepare loan recommendations for approvals or denials when assigned to lending functions.
• Document financial analysis activities: ratios, cash and collateral analyses, supporting information.
• Ensure compliance with lending policies and regulatory requirements.

Skills

Reading & writing

Interpersonal skills

Lending knowledge

Financial statement analysis

PC proficiency

Attention to detail

Education

Bachelor's degree

Specialized financial analysis training

Job description

Pennian Bank is seeking a Credit Analyst to support the credit analysis function through financial analysis, documentation, reporting, and compliance activities. You will assist in evaluating credit risk, preparing analyses for lending decisions, and maintaining records in accordance with bank policies and regulatory requirements.

The role emphasizes coordination within the department, adherence to procedures, and accurate documentation of analyses and ratios to inform lending decisions.