FT Credit Analyst I - Lititz

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

Description

JOB SUMMARY

Responsible for commercial loan underwriting and for providing administrative support to the Credit Administration and commercial lending functions of the Bank.

DUTIES AND RESPONSIBILITIES

• Prepare non‑complex loan presentations for decisioning by Loan Officers, CLO, and Officers Loan Committee (OLC).
• Accurately identify and document all Loan Policy exceptions and recommend a risk rating based on established procedures.
• Prepare and submit for approval non‑complex Annual File Reviews (AFR’s).
• Track and monitor portfolio concentrations including Hotel/Motel, Participations, Tax Exempt, CRE, Storage Unit financing, and Cannabis Related Businesses.
• Attend OLC meetings as needed, providing an explanation of the financial analysis on assigned credits, and act as backup for taking minutes.
• Attend credit‑related meetings as needed, providing an explanation of the financial analysis or taking minutes.
• Routinely incorporate compliance (knowledge of applicable laws/regulations), generally accepted lending principles, and accounting basics in daily tasks.
• Evaluate and analyze financial statements, personal and business tax returns, personal financial statements, borrower prepared projections, management performance, market or industry risk, capital structure, and collateral on non‑complex relationships (i.e. – Investment properties, Sole Proprietorships, etc.).
• Utilize the Loan Operation System (LOS) to analyze credit worthiness, discuss credit findings with lenders, and recommend options to limit risk.
• Proofread written documentation (meeting minutes, loan presentations, correspondence, etc.) to ensure clarity and compliance with generally accepted grammar and spelling standards.
• Assist with assignments related to OLC, Credit Risk Management Committee (CRMC), Loan Review, and Audit as needed.
• Satisfy financial ticklers and upload financial information into the LOS for commercial loan requests and annual file reviews.
• Serve as a backup on performing due diligence functions (i.e. – NAICS, Domestic, UPI, EDR, Flood, Background, UCC searches, maturing loans, etc.) and identifying red flags, errors, or other concerns.
• Promote and preserve JBT’s values and culture.
• Follow Bank policy and procedure to prevent fraud and financial crimes.
• Other duties as assigned.