As a Credit Analyst at our locally owned bank, you will play a crucial role in supporting the community by conducting thorough credit analyses. Your primary responsibility will be to gather, analyze, and interpret credit information on both existing and prospective customers, as well as their portfolios. This position requires a keen eye for detail and strong analytical skills to monitor customer accounts and loan portfolios effectively, ensuring that we maximize credit quality while minimizing risk and potential losses. You will assist in identifying any deterioration in loan quality and will be responsible for preparing and potentially presenting credit presentations to Loan Officers and committees, which are essential for making informed lending decisions on new, renewal, and extension loans. In this role, you will systematically examine files to ensure the adequacy of credit and collateral documentation, compliance with regulatory standards, and adherence to loan policies. You will analyze financial data to assess the merits of loan requests, ensuring they align with our loan policies, and you will recommend appropriate structures and risk ratings. Your duties will also include completing accurate financial statement spreads, conducting trend analyses, and performing collateral reviews in accordance with bank standards. You will be tasked with performing annual loan reviews on all large credit relationships, ensuring compliance with the Loan Policy, and maintaining an organized tickler system and document filing. Staying current with market trends, key economic data, and regulatory changes that may impact the bank's financial performance will be essential. You will establish and maintain a systematic approach to monitoring and improving the quality of our credit processes, ensuring that we uphold the highest standards of service and compliance.