Credit Analyst II at AmeriServ Financial Bank in Johnstown, PA

Job description

• Administer assistance to lending officers of the bank by furnishing credit analysis and financial information evaluation services. Promote compliance with established credit policies and procedures. Functions at a largely independent level. As needed, provide assistance to Supervisor of Credit Analysis Department in training and coaching of less experienced Credit Analysts.

Responsibilities

• 1. In support of the Lending Division, prepare accurate, comprehensive, and timely credit analysis as required by policy to support loan production efforts of the Lending Division with appropriate balance of credit risk management and compliance with credit policies. Evaluate financial statements and various credit data to determine and document the degree of risk in lending funds. Complete ratio, trend and cash flow analysis. Carefully analyze all data to produce meaningful, clear, and objective reports.
• 2. Ensure that credit files are complete, identify any documentation deficiencies, and work with relationship manager to anticipate, identify and collect documents as needed for timely approvals on new and existing credits. Thoroughly research borrowers, guarantors, and industry data, with focus on addressing any potential credit worthiness concerns.
• 3. Contribute to and participate in maintaining a consistent credit culture throughout the organization by promoting compliance with all credit policies and procedures, by providing support to the Lending Division in interpretation of policy and by providing assistance to the loan officers in evaluating appropriate loan structure relating to loan proposals and/or proposed loan modifications.
• 4. Assist the Credit Analysis Manager and Supervisor to provide direction, training, guidance and coaching to less experienced Credit Analysts.
• 5. Provide spreadsheet preparation services as requested by the Lending Division and provide credit analyses of existing lending exposures in the portfolio, with a goal of assuring annual analysis, in the minimum, of the largest 25 credit exposures of the Bank. Provide ongoing monitoring of financial covenants, including calculations, monitoring updates and communication of compliance status. Complete review of real estate appraisals and evaluations accurately and on time as assigned.
• 6. Adhere to project deadlines.
• 7. Maintain a good working knowledge of the Bank’s products, lending policies and procedures and identify exceptions to policy. Provide technical advice to relationship managers as needed.
• 8. Continually keep abreast of related legal, banking, industry, compliance, and market risk related issues.
• 9. Contribute to and participate in maintaining a consistent credit culture throughout the organization by promoting compliance with all credit policies and procedures.
• 10. Enhance and promote AmeriServ Financial Bank through participation in community organizations, activities, and projects.
• Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

Requirements

• 8. Composure Under Pressure/Stressful Situations
• Bachelor’s Degree in accounting, finance, business, or related field with completion of accounting coursework through at least the intermediate level. Minimum of eighteen (18) months of commercial banking experience in the credit analysis department of the bank or equivalent. Demonstrate working knowledge of the bank’s credit policy.
• Experience
• Required
• Minimum of eighteen (18) months of commercial banking experience in the credit analysis department of the bank or equivalent.

Skills

Required

• Strong Analytical Skills
• Problem Solving Skills
• Deadline Driven
• Ethical Conduct
• Principled Time Management