What are the responsibilities and job description for the Credit Analyst position at Red River Bank?
Job Title: Credit Analyst
Department: Credit Administration
Summary Analyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals by performing the following duties.
Essential Duties and Responsibilities include the following. Other duties may be assigned.
Independently analyzes credit information and prepares analysis package for loan administration or committee review.
Makes recommendations regarding loan approval or denial.
Consults customers, prior banks, accountants, and other regarding customers' credit information.
Prepares financial statement spreadsheets.
Performs miscellaneous related duties as assigned or needed to determine credit worthiness.
Comply with all applicable banking regulations, including Bank Secrecy Act. Follows Red River Bank policies and procedures . Attends or completes all required training.
Competencies
To perform the job successfully, an individual should demonstrate the following competencies;
Gathers and analyzes information skillfully.
Exhibits sound and accurate judgement.
Demonstrates attention to detail.
Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and/or Experience
Bachelor's degree from four-year college or university with an emphasis in accounting or finance or minimum of two years credit analysis work experience and/or training