What are the responsibilities and job description for the Credit Analyst position at First Savings Bank?
Job Summary:
The Credit Analyst role is key in making data-backed recommendations through research and analysis of customer financial documents. This role is responsible for analyzing financial data to assess the likelihood of a borrower honoring their financial obligations on behalf of the bank.
Responsibilities
- Evaluate Clients’ credit and financial statements to determine degree of risk involved in providing a loan.
- Prepare reports and present findings to make a recommendation on whether the loan should move forward.
- Confer with credit associations and references to gather credit information.
- Evaluate the financial status of applicants by producing financial ratios, trends, and cash flow analysis and create future projections.
- Routinely monitor loans to ensure they maintain compliance.
- Adhere to all company credit policies and guidelines established by the bank.
- Other duties as assigned.
Qualifications
- BS Degree in Business Administration, Finance, Accounting or related field required.
- Experience analyzing customer credit preferred, but not required.
- Ability to analyze cash flows, leverage, collateral and customer strength
This position will give you an opportunity to join a progressive, growing banking organization that offers a competitive salary and a competitive benefits package including paid holidays, vacation, medical insurance, dental insurance, cafeteria plan and 401 (K) plan.
Education
Preferred
- Bachelors or better in Finance or related field
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)
Job Type: Full-time