Description VETERANS ARE ENCOURAGED TO APPLY The Credit Analyst will review the creditworthiness of individuals or businesses to determine the risk involved in lending money or extending credit. Responsibilities: • Analyzes credit data and financial statements of individuals or businesses to identify the degree of risk involved in lending money or extending credit. • For individuals, performs research to verify employment and income, inspects reports from credit reporting agencies, and reviews FICO scores. • For businesses, compares to similar businesses in terms of liquidity, profitability, and credit histories. • Uses computer software to further evaluate customers’ financial status and produce financial ratios. • Compiles information, completes loan applications, and composes reports detailing the degree of risk involved in loan or credit request; recommends approval or denial based on results. • Sets interest rate and minimum or maximum term of repayment for customers based on earnings, savings data, payment history, and purchase activity. • Determines the expected profitability of loans by analyzing a business’s financial data including quality of management, income growth, and market shares. • Resolves customer complaints and verifies transactions through consultation. • Identifies delinquent accounts through the review of individual or commercial customer files. • Performs other related duties as assigned. Requirements: • Excellent verbal and written communication skills. • Proficient in Microsoft Office Suite or related software, as well as analysis software. • Basic understanding of relevant equipment, policies, procedures, and strategies used in credit analysis. • Ability to identify discrepancies and problems. • Bachelor’s degree in Accounting, Economics, Finance, Statistics, or Mathematics required. Physical Requirements: • Lifting up to 25 lbs. may be required infrequently. • Must be able to remain in a stationary position 50% of the time. • Constantly operates a computer and other office productivity machinery, such as a calculator, copy machine, and computer printer. Benefits • Medical, dental, life and vision insurance • 401(k) Retirement Plan and Match • Paid Time Off • Specified Paid Holidays Disclaimer: This job description is a general outline of the day-to-day duties to be expected and may not cover all job responsibilities that may be assigned by management.