Junior Credit Risk Analyst

AmeriServ Bank; Johnstown (Cambria County); On-site; USD 60,000 - 90,000; Full time

Job summary

AmeriServ Financial Bank is seeking a Credit Analyst to support the Lending Division with thorough credit analysis and documentation. The role emphasizes risk assessment, financial review, and timely loan approvals.

You will prepare analyses, monitor covenants, and assist in loan package preparation for board and committee reviews. A Bachelor’s in accounting, finance, or business is required, with strong analytical and organizational skills.

Qualifications

• Bachelor’s degree in accounting, finance, business, or related field with accounting coursework to at least intermediate level.
• Strong analytical skills and ability to evaluate financial statements and credit data.
• Attention to policy compliance and risk management in lending.

Responsibilities

• Prepare accurate, comprehensive credit analyses to support loan production and risk management.
• Evaluate financial statements and cash flow to determine risk and document findings.
• Ensure credit files are complete and collect missing documents for timely approvals.
• Monitor financial covenants and provide ongoing reporting on large exposures.
• Review real estate appraisals and evaluations as assigned.
• Assist in preparing loan packages for committees and board meetings.

Skills

Strong Analytical Skills

Microsoft Office and Internet

Deadline Driven

Problem Solving Skills

Ethical Conduct

Time Management

Education

Bachelor's degree in accounting/finance/business

Job description

AmeriServ Financial Bank is seeking a Credit Analyst to support the Lending Division with thorough credit analysis and documentation. The role emphasizes risk assessment, financial review, and timely loan approvals.

You will prepare analyses, monitor covenants, and assist in loan package preparation for board and committee reviews. A Bachelor’s in accounting, finance, or business is required, with strong analytical and organizational skills.