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Careers

About the Position

Commercial Credit Analyst

Location: Augusta

Responsible for analyzing and monitoring the credit worthiness of the bank’s customers.  Analyzes financial statements, tax returns and bank references to evaluate the financial condition of individuals and businesses applying for credit with the bank.  Recommends credit lines within the established bank guidelines.

Essential Duties and Responsibilities (Other duties may be assigned.)

 

  • Obtains loan request information from Commercial Bankers or borrower to analyze credit information, financial statements and other related information pertaining to the loan.
  • Spread financial statements for commercial lenders into Sageworks System.
  • Reviews and prepares written analysis, spreadsheets, reports, summaries and recommendations based on risks, credit and collateral.  Assists in presentation of findings to lenders and /or loan committee.
  • Understand the background of borrowers and be able to communicate the strengths and weaknesses.
  • Prepare memos for financial analysis.
  • Credit underwriting.

Qualifications 

  • Bachelor’s degree in Business, Accounting, Finance or related field and a minimum of 2 years of related experience in loan review or commercial lending; or an equivalent combination of education and experience.
  • Effective oral and written communication skills.
  • Ability to speak effectively before groups.
  • Ability to compute complex math calculations.
  • Proven problem-solving and analytical skills.Ability to interpret a variety of information furnished in written, oral, diagram, or schedule form.
  • Ability to prioritize.
  • Effective time management skills.
  • Proficiency in using personal computers and office products (e.g., Word, Excel).