GENERAL DESCRIPTION OF POSITION

The Credit Analyst performs financial based analysis of credits which is used by the bank to assess risk, underwrite, and monitor existing credits to entities or individuals.

 ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Create financial spreads within the bank lending operating system (nCino) using financial statements to find and review trends. This duty is performed daily, about 30% of the time.

2. Prepare reports designed to quantify borrowers' personal, global, and real estate cash flows on an accurate and timely basis as assigned by their manager or other designated CA leader. This duty is performed daily, about 30% of the time.

3. Verify accuracy of customers' borrowing base certificates for assets such as accounts receivable, inventory, and marketable securities. This duty is performed as needed, about 10% of the time.

4. Calculate financial ratios and monitor for compliance in ...