Credit Analyst I Specbnkg

• Monitors and reviews reports and works with other Credit colleagues to obtain necessary information to ensure that reporting requirements are met.
• Monitors for receipt, and analyzes and evaluates documents surrounding credits. This may include financial statements for the company, owners, and/or guarantors, tax returns, cash flow, collateral, covenants, etc. to identify strengths and weaknesses pertaining to a borrower’s financial position.
• Prepares credit analysis and investigation of new and renewed loans. Requests and provides the necessary documentation and financial facts for Credit Officer to analyze, evaluate, and determine appropriate credit structure and terms for potential borrowers.
• Provides analytical functions relating to due diligence, document processing, and financial statements analyses related to transactions, credit approval, and renewals. Prepares summary documenting factual analysis and supporting information for credit decision recommendations.

Must-Have*

• Bachelor's Degree Finance, Accounting or Business
• Minimum 1 year of experience in a banking or financial services environment required
• Minimum 1 year of credit or financial analysis experience required

Skills and Knowledge

• Experience may also be acquired through up to two years of directly related experience that may include time spent in a formal credit-training program.
• Working knowledge of accounting and financial statement analysis
• Basic knowledge of banking policies and procedures
• Proficient in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook)
• Strong analytical, organizational, interpersonal and communication skills
• Internship in credit and/or financial analysis preferred
• Good verbal and written communication skills to present clear and precise recommendations based upon analysis for action on loans
• Will be expected to continue course work through CNB Credit Boot Camp if needed.

• To be considered for this position you must meet at least these basic qualifications