Credit Analyst II

Job Description

Job Description

Description :

Golden Valley Bank is currently recruiting for a motivated individual who can assist with the underwriting and analysis of loans to expedite the loan approval process. Strong candidate will exhibit exceptional communication, interpersonal and analytical skills which can be applied in the position of a Credit Analyst II within the Bank.

Daily job functions include :

• Analyzing credit information to determine risk involved in lending money to commercial customers.
• Input financial statements and tax returns in spreadsheet software for analysis.
• Compare items such as liquidity, profitability, credit history and cash, with other companies of same industry, size and geographic location.
• Analyze such factors as income growth, quality of management, market share, potential risks of industry and collateral appraisal.
• Track maturities and covenants.
• Prepare loan packages to be sent to documentation and maintain credit files.
• Coordinate workflow with various external business partners including title and escrow companies an appraisers.
• Support Bank Loan Officers on new loan transactions and existing loan portfolio maintenance.
• Underwrite and document credit decisions in written format, with extensive use of Microsoft Word, Excel, and Outlook.

Requirements :

Reporting directly to the Credit Administrator, applicants should have working knowledge of various financial exhibits and tax returns, for both personal and business customers. Applicants should be an aspiring banking professional, have 1-3 years' experience in a business finance role and a willingness to take on increasing levels of responsibilities over time. A bachelor's degree in business or related field is preferred.

Job requirements include :