Credit Analyst I - #1405597

This job was posted by https://joblink.delaware.gov : For more

information, please see: https://joblink.delaware.gov/jobs/1385758

Job Responsibilities

• Analyze financial statements (including performances ratios) of all
  
  

levels of quality to develop initial assessment.

• Prepare written analyses which include for new loan requests and
  
  

annual requests: Credit investigation of the borrower and

guarantors; economic and market conditions as they relate to the

company, industry, and market area; in-depth historical financial

analysis, including communicating with the borrowers accountant to

gain a better understanding of the companys accounting practices;

in-depth projection financial analysis, including the performance of

what if scenarios that test the reasonableness of the projections;

in-depth analysis of the secondary sources of repayment such as

collateral; in-depth analysis of a guarantors financial position;

assures that records of sources and supported documentation are

imaged and placed in credit file.

• Provide a written analysis that includes a list of all strengths and
  
  

weaknesses of a credit, including loan grade or alternative

structure to Relationship Manager.

• Further support lenders by completing credit memos, and/or periodic
  
  

inspections for FSA and SBA guaranteed loans.

• Review commercial and residential Real Estate appraisals to ensure
  
  

that they comply with appraisal regulation and interagency

guidelines per the following: address appraiser independence and

qualifications; assess the accuracy of the 3 methods of evaluation

and the appropriateness of the weighting of each method; identify

and resolve any deficiencies in the report; report any unresolved

deficiencies to Senior Credit Analyst and Chief Credit Officer (CCO)

which, in the analysts opinion, places the bank at risk.

• Calculate and review borrower compliance with loan covenants and
  
  

report any violations to Credit Officer and Chief Credit Officer.

• Maintain a personal program for maintaining an adequate level of
  
  

knowledge in lending, accounting and other banking matters, and

demonstrate personal and interpersonal behavior, attitude, judgment,

communication and initiative with customers and employees in order

to ensure an acceptable degree of performance.