Credit Analyst
Consumers National Bank · US
Description JOB SUMMARY The Credit Analyst, reporting to the Credit Department Manager, is responsible for conducts analysis of commercial loans and /or loan...
Job description
Description JOB SUMMARY: The Credit Analyst, reporting to the Credit Department Manager, is responsible for conducts analysis of commercial loans and /or loan relationships as determined by the Chief Credit Offer, Credit Department Manager and Executive Management. Determines the borrower's ability to repay all obligations by conducting analysis of financial information and determine the adequacy of available collateral and recommend possible loan structure to ensure that the bank limits its risk to a reasonable level. ESSENTIAL DUTIES AND RESPONSIBILITIES: · Analyze proposed and existing commercial credit relationships as determined by senior management · Determine if we have sufficient financial information to make an informed credit decision · Conduct detailed financial analysis on loans to determine if the borrower has the ability to repay the obligation · Determine if the borrower has the ability to repay all commercial and personal obligations · Review proposed or existing collateral to determine if the bank is adequately secured · Communicate with Originating Lender on the details of proposed and existing credits · Recommend structure and terms based on the financial and col...