PURPOSE OF THE JOB
The purpose of this position is to perform a variety of duties related to determining credit risk through comprehensive analysis and ongoing monitoring
of new and existing customer relationships. The Commercial Credit Analyst utilizes a variety of information to ensure and maintain the credit quality if the
commercial loan portfolio.
MAIN DUTIES OF THE JOB
associated with loan packages and other services offered by the Bank.
Ensures that loans are properly risk rated.
Complies with proper credit administration practices as outlined in the Bank's policies and procedures.
Provides technical advice and assistance to Client Relationship Managers.
Assists in maintaining the Bank's Asset Based Lending process and procedure.
Assists in the maintenance of various systems utilized by the bank.
Performs other duties as assigned by Manager
WHAT WILL YOU NEED TO SUCCEED
Bachelor's degree in business, finance, related field or the equivalent job experience preferred
One to three years of work related experience in banking or financial services field
Strong understanding of commercial lending financial analysis and business structures
Proficiency with Microsoft Office (Excel and Word) is required
Strong knowledge of financial statements in order to determine credit worthiness and risk.
Knowledgeable of state and federal regulations impacting the origination of all loan types.
Knowledge of economic and accounting principles and practices, banking and the analysis and reporting of financial data.
Exceptional verbal, written and interpersonal communication skills
Excellent organizational and time management skills with the ability to work under pressure, and adapt to change and meet deadlines.
Excellent analytical and problem solving skills including ability to diagnose, resolve or escalate a critical situation.
Prepare thoughtful, clear and concise written analysis using established bank format for presentation to management or loan committee making credit decision.
Demonstrate your ability to analyze financial data and account information quickly and thoroughly.
Self-directed/motivated with the ability work independently with little to no direct supervision.
HOME BANK IS AN EQUAL OPPORTUNITY EMPLOYMENT
GOOD CREDIT IS A MUST
CREDIT REPORT IS REQUIRED FOR EMPLOYMENT
Home Bancorp, Inc.