Senior Credit Analyst

AmeriServ Financial Inc.; Johnstown (Cambria County); On-site; USD 55,000 - 75,000; Full time

Job summary

AmeriServ Financial Bank is seeking a Credit Analyst to support lending by preparing detailed credit analyses and evaluating financial data for risk assessment. You will ensure documentation is complete, assist relationship managers, and help maintain a strong credit culture across the organization.

The role requires a Bachelor’s degree in accounting/finance or related field and at least 18 months of commercial banking credit analysis experience, with knowledge of credit policy.

Qualifications

• Bachelor’s degree in accounting, finance, business, or related field with accounting coursework through at least the intermediate level.
• Minimum of eighteen (18) months of commercial banking experience in the credit analysis department or equivalent.
• Working knowledge of the bank’s credit policy.

Responsibilities

• Prepare accurate, comprehensive, and timely credit analysis to support loan production.
• Evaluate financial statements and credit data to determine risk and document findings.
• Identify documentation deficiencies and coordinate with relationship managers for timely approvals.
• Provide direction and coaching to less experienced Credit Analysts.
• Monitor financial covenants and review real estate appraisals as assigned.
• Adhere to deadlines and maintain knowledge of bank products and policies.

Skills

Strong Analytical Skills

Problem Solving Skills

Deadline Driven

Ethical Conduct

Principled Time Management

Computer Skills (Microsoft Office & IE

Education

Bachelor’s Degree in accounting, finance, or related field

Tools

Microsoft Office

Internet

Job description

AmeriServ Financial Bank is seeking a Credit Analyst to support lending by preparing detailed credit analyses and evaluating financial data for risk assessment. You will ensure documentation is complete, assist relationship managers, and help maintain a strong credit culture across the organization.

The role requires a Bachelor’s degree in accounting/finance or related field and at least 18 months of commercial banking credit analysis experience, with knowledge of credit policy.