Junior Commercial Credit Analyst

Maine Community Bank; Gorham (ME); On-site; USD 50,000 - 56,000; Full time

Job summary

Maine Community Bank in Gorham, ME seeks a Commercial Credit Analyst I to assist the Commercial Banking team by compiling and analyzing financial statements, credit reports, and other information to assess risk in credit extensions. You will prepare concise reports for Lending Officers, Bank Management, Loan Committees and the Board of Directors.

The role emphasizes customer service, adherence to Core Values, and service standards while supporting less complex credit decisions and risk rating

Qualifications

• Bachelor’s degree in Accounting, Economics, Finance or Business Administration.
• Proven ability to work as part of a team.
• Be punctual for scheduled work and use time appropriately.
• Perform duties in a conscientious, cooperative manner.
• Perform required amount of work in a timely fashion with a minimum of errors.
• Be neat and maintain a professional appearance.
• Comply with all Bank policies and procedures, including BSA and Information Security policies.
• Maintain confidentiality and protect the Bank by keeping information concerning Bank operations and customer information confidential.
• Able to consistently treat others with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
• Strong commitment to achieving personal and team growth and success through an understanding and commitment to the Bank’s sales culture goals.
• Must have proven communication and interpersonal skills.
• Proficient in Microsoft Word & Excel.
• General knowledge of accounting and ability to read and understand financial statements.
• Good organizational skills.
• Proficiency in MSWord, PowerPoint, and Excel; ability to learn Bank technology.
• Strong internal and external customer focus.

Responsibilities

• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Prepare reports that assess the degree of risk involved in extending credit or lending money.
• Evaluate customer records and loan structures and risk ratings based on earnings, balance sheet strength, payment history, management quality, guarantor strength and quality of collateral.
• Complete less complex Loan Presentations, Annual Reviews, and Modifications of Loan Terms, including credit analyses and risk rating recommendations for submission to appropriate authority for approval.
• Understand and interpret Bank Regulations and Bank Policies to aid in compliance with and/or identification of exceptions.
• Assists in generating Reports to be used by Management, Senior Management and the Board of Directors.
• Assists in preparing and assembling Loan Committee and Board Committee Packages.
• Documents Loan Committee Meeting Minutes, as needed.

Skills

Teamwork

Time management

Analytical thinking

Attention to detail

Communication skills

Education

Bachelor’s degree in Accounting, Economics, Finance or Business Administration

Tools

Microsoft Word

Microsoft Excel

PowerPoint

Job description

Maine Community Bank in Gorham, ME seeks a Commercial Credit Analyst I to assist the Commercial Banking team by compiling and analyzing financial statements, credit reports, and other information to assess risk in credit extensions. You will prepare concise reports for Lending Officers, Bank Management, Loan Committees and the Board of Directors.

The role emphasizes customer service, adherence to Core Values, and service standards while supporting less complex credit decisions and risk rating