Commercial Credit Analyst - E

The State Bank And Trust Company - Bowling Green, OH

Full-time - Mid Level

Bowling Green, OH

Credit Intermediation and Related Activities

About the position

The Commercial Credit Analyst at E SB Financial Group Inc. plays a crucial role in supporting the credit analysis function within the organization. This position is responsible for performing a variety of administrative duties that are essential to the credit analysis process. The analyst will receive and analyze data on prospective and active borrowing accounts, including financial statements and agency reports. They will evaluate the short- and long-term prospects of individuals or companies seeking loans, and may make recommendations regarding the granting or denial of loans based on their analysis. The role requires thorough documentation of all financial analysis work, ensuring compliance with established lending policies and procedures. In addition to the core responsibilities, the Commercial Credit Analyst will work towards achieving departmental goals as outlined in the annual operating plan. They will coordinate tasks with coworkers both within and outside the department to ensure efficient processes and adherence to regulatory requirements. The analyst will also provide leadership and on-the-job training to Credit Analyst Trainees, fostering a collaborative and educational environment. Maintaining accurate records and providing timely reports to supervisors is also a key aspect of this role. The position requires a strong understanding of current lending and loan review regulations, as well as banking operations. The analyst must be proficient in analyzing and interpreting financial statements, and possess excellent communication skills to respond to inquiries from bank personnel and customers. Overall, the Commercial Credit Analyst is integral to the bank's risk management and compliance efforts, ensuring that all credit analysis activities are conducted in accordance with regulatory standards and organizational policies.

Responsibilities

• Perform administrative duties to support the credit analysis function.
• Receive and analyze data on prospective and active borrowing accounts.
• Evaluate the short- and long-term prospects of individuals or companies seeking loans.
• Make recommendations regarding the granting or denial of loans based on analysis.
• Provide thorough documentation of all financial analysis work, including ratios and related information.
• Ensure compliance with prescribed lending policies during credit analysis activities.
• Achieve departmental goals as part of the annual operating plan.
• Coordinate departmental tasks with coworkers to ensure efficient processes.
• Comply with established operating policies and procedures to maintain adequate controls.
• Report pertinent information to the immediate supervisor as requested.
• Provide leadership and on-the-job training to Credit Analyst Trainees.
• Respond to inquiries from bank personnel and customers within established time frames.
• Maintain appropriate records and provide assigned reports.

Requirements

• Bachelor of Science (B.S.) or Bachelor of Arts (B.A.) degree in Finance or a related field preferred.
• A minimum of three (3) years of experience in financial analysis is normally required; five (5) years preferred.
• Proficient reading, writing, grammar, and mathematics skills.
• Moderate interpersonal relations and communicative skills.
• Thorough knowledge of current lending and loan review regulations and banking operations.
• Proficient ability to analyze and interpret financial statements.

Nice-to-haves

• Specialized financial analysis training.
• Visual and auditory skills.

Benefits

• On-the-job training