*JOB FUNCTION *:

Analyze, format, and communicate information on new and existing loans to identify credit risks. Provide underwriting support to the commercial lending function.

DUTIES and RESPONSIBILITIES *:*

• Analyze personal and business financial information as well as entity ownership structures to understand creditworthiness of proposed loan
• Prepare credit approval requests, debt and deposit recaps, financial spreadsheets, cash flow analysis, written memorandums, and other necessary analysis in to relay information to senior management in a timely manner
• Assist loan officers in gathering and relaying information between the Bank and its customers
• Attend meetings with customers, loan officers and senior management regularly.
• Performs other duties as assigned

*MINIMUM QUALIFICATIONS *:

Work Experience **

• Must be familiar with practices common in field to include spreading of various types of financial statements and an understanding of cash flows analysis
• Must be innovative and able to work independently
• Must have excellent organization skills, attention to detail, ability to work under time constraints and good interpersonal skills
• Must have working knowledge of MS Office including Excel, Word, PowerPoint and Outlook

Preferred Experience (Optional)

• One to two years experience in credit department of a bank

*Supervisory Experience *

• None required

Education/Skills/Experience

• Bachelor's Degree in Business, preferably with a Finance or Accounting major w/at least 4 semesters of accounting coursework
• Strong writing, communication and analytical skills are required

*Equipment/Machines/Software *

• Strong knowledge and experience using Microsoft Programs (Outlook, Word, Excel, PowerPoint), and Internet Explorer
• Personal computer
• Ability to work with office equipment such as phone system, 10- key calculator, telephone,

copiers, scanners, shredders, fax

• Preferred experience with; Moody's Financial Analyst, Jack Henry Silverlake, Pricing Software, BUI

Competency Requirements

• Must be able to hear and speak to communicate with customers
• Proven organizational skills with ability to shift priorities and follow assigned tasks through completion
• Ability to work independently with minimal supervision
• Must have high attention to detail with ability to focus on assigned tasks
• Must be accustomed to a fast-paced office environment

Physical Requirements

Must be able to lift, push and pull files up to 25 pounds

Must be able to bend, stoop, and be mobile within office environment

Must be able to sit for most of the day in front of a computer

Must be able to speak and hear customers

Must be abl