Credit Analyst I

Summary

Responsible for analyzing financial information, communicating findings through concise, well-written analysis reports as well as verbal recommendations to management.

Essential Functions

• Perform financial statement spreading and analysis on new and existing loan relationships to determine creditworthiness of borrowers, by evaluating cash flow and debt serviceability.
• Prepare written credit analysis reports that are clear, concise and complete; translate information clearly and effectively.
• Ensure compliance with bank policies and procedures and applicable banking regulations.
• Assist lenders with credit exceptions.
• Communicate with company controllers or accountants to gather additional information and interpret financial transactions.
• Communicate and work with legal counsel on preparation of real estate documents and loan agreements.
• Assist in the coordination of real estate loan activity with title companies, appraisers, civil or environmental surveyors, etc.
• Contact borrowers that are past due and report chronic situations or problems to the responsible lender.
• Contact borrowers, insurance agents, accountants, etc. for correction of any loan documentation exceptions and report problem areas to the responsible lender.
• Coordinate activities between the lending staff and credit administration.
• Communicate closely with all lenders relating to progress on projects and / or problems encountered in meeting objectives.
• Other duties and projects as assigned.

Required Education, Experience, Skills

Equipment Used

Supervisory Responsibility

Working Conditions / Physical Requirements

WestStar is an Equal Opportunity Employer and does not discriminate on the basis of any protected trait, including gender, race, ethnicity, disability, or veteran status.