What are the responsibilities and job description for the Credit Analyst position at CENTRAL BANCOMPANY?
Prepare loan system reports, oversee all financial statements and enter financial information into CASH system, complete financial statement analysis of loan relationships, and assist in other areas of the commercial and installment loan area as needed. Conducts relationships and activities consistent with established Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable State and Federal laws and regulations.
Preparation of various loan system reports, including those that are submitted to the Board of Directors on a monthly basis. Preparation of technical exception reports, non-conforming loan reports, etc., for the eventual benefit of loan officers and Board of Directors.
Complete financial analysis reviews assigned. Follow-up to ensure timely responses to the recommendations and the resolution and/or implementation of the same.
Enter financial statement tracking, which includes entering information into the tracking system and also into the CASH software. This includes spreading all financial statements when they are received.
Monitor credit files to ensure adequacy of documentation and timeliness of financial statements. Generate letters on a timely basis requesting current financial statements from customers.
Perform various compliance related audits and projects as assigned. Attend training sessions to learn about the regulations that pertain to commercial loans and train other commercial loan personnel about the changes in regulations as they occur.
Examine files systematically for adequacy of credit and/or deficiencies and report examination results to the supervisor, other officers or management as requested.
Assist external and internal auditors in their reviews.
Provide support to commercial lending staff and officers as needed.
Maintain educational and professional expertise through attendance at job related seminars, conferences and workshops and involvement in professional, civic, and community groups in leadership positions.
Contribute to the effort of the Bank by performing other duties as assigned.