Credit Analyst

Other Jobs To Apply

No other job posts for this day.


ON-SITE POSITION

REPORTS TO:

SVP, Commercial Credit Underwriting Director

MAJOR DUTIES AND RESPONSIBILITIES:

1. Develops credit information for use by lending officers or committees in making lending decisions on new, renewal and extension of loans:

  • Reviews all pertinent credit and financial information, including reporting services, credit bureaus and bank files;
  • Determines the need for more thorough investigation or additional information and contacts appropriate sources of such information, if requested by loan officers;
  • Prepares all financial spreads and personal cash flows;
  • Analyzes financial statements and related material;
  • Prepares summary, presents facts and offers opinions concerning credit worthiness to loan officers or committees.
  • Runs pertinent reports.

2. May assist loan officers in underwriting and preparing credit memos, narratives and other loan management responsibilities as assigned.

3. May join loan officers in loan applicant interviews or borrower meetings.

4. Interacts with Loan Officers and Senior Credit Officer regarding analytical requirements.

5. May interact with borrowers, or other appropriate sources, in the collection of borrower and/or guarantor financial and operating information and/or collateral information on an ongoing basis for analysis and monitoring purposes.

6. Reviews current accounts receivable agings, inventory reports and related Borrowing Base Certificates as required, stock secured and art secured loan reports as appropriate, watching for any developing problems and keeping loan officers informed.

7. May perform written and phone credit inquiries regarding bank customers.

8. Monitors loan agreements and borrowing base certificates for compliance with covenants as assigned.

9. Ensures that all Bank Policies and Procedures are followed and comply with all applicable laws, regulations and have strong working knowledge of procedures.

10. Supports the lending staff in providing high quality services to its customers.

11. Periodically assists with property collateral inspections.

12. May prepare quarterly significant relationship monitoring reports.

13. Assists with other duties as assigned.

KNOWLEDGE REQUIRED:

A high level of analytical ability and writing skills.

Minimum level of preparation and training normally required by the job:

1. A bachelor’s degree in business, finance, economics, accounting or equivalent job experience.
2. A minimum of 15 – 18 credit hours of accounting (including financial, intermediate and managerial accounting) or equivalent.

Additional Experience Preferred:

One or more years as a Credit Analyst or related experience.

This job description in no way implies that these are the only duties to be performed by the employee occupying this position. Employees will be required to perform any other job-related duties assigned by the supervisor. All requirements are subject to possible modification to reasonably accommodate individuals with disabilities.

Century Bank is an Equal Employment Opportunity/Affirmative Action employer and does not discriminate on the basis of race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age or veteran status.

Back to blog

Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...

Related Posts

Data Entry Question and Answer

$150 $49

Remote Question and Answer

$150 $49

Virtual Assistant Question and Answer

$150 $49

Content Moderator Question and Answer

$150 $49

Customer Service Question and Answer

$150 $49

Video Game Tester Question and Answer

$150 $49