Credit Analyst

Fauquier Bankshares, Inc. Warrenton , VA 22186

Posted 2 months ago

Primary Function:

Responsible for gathering and analyzing financial information on current and potential commercial borrowers; determines the advisability of granting and continuing credit for diversified types of loans.?

Primary Responsibilities*:

  • Assists commercial relationship managers in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank Credit culture and current economic and industry trends.

  • Using software program utilized by the Bank, enters borrower financial data (both financial statements and tax returns). Communicates with relationship manager, and sometimes customer, for additional information and clarification of data.

  • Compiles data from individual and business credit reports, conducts industry peer comparisons, and identifies exceptions to Credit Policy.

  • Writes financial analysis; makes recommendation on loan structures, terms, and Risk Rating of credit requests.

  • Assists with on-going loan review function.

  • Develops knowledge of financial industry, economy, market conditions, rates, vendors and competition.

  • Assist department with document imaging and maintaining financial document status of credit relationships.

Secondary Responsibilities*:

  • This job requires that the associate gain a working knowledge of Bank Secrecy Act (BSA) requirements and how they will affect their work.? The associate will comply with all requirements of the BSA and cooperate with the designated BSA Officer in assuring compliance.

  • Indicates an essential element of the position in compliance with ADA.

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Credit Analyst

Fauquier Bankshares, Inc.