GENERAL DESCRIPTION OF POSITION Analyzes credit data to estimate
degree of risk involved in extending credit or lending money to
firms or individuals.
ESSENTIAL DUTIES AND RESPONSIBILITIES
- Prepare financial statement spreads using the Moody's financial
statement analysis software. This duty is performed about 30% of
- Prepare in-house spreadsheets designed to quantify borrower's
personal, global and real estate debt service abilities. This duty
is performed about 30% of the time.
- Prepare narrative analysis of findings and recommendations for
lenders. This duty is performed about 25% of the time.
- May assist, coordinate and attend loan committee at respective
banks. This duty is performed about 5% of the time.
- Requires review of outgoing analysis prepared by the CA I and
CA II positions. This duty is performed about 10% of the time.
- Completes required BSA/AML training and other compliance
training as assigned. This duty is performed annually.
- The ability to work in a constant state of alertness and in a
- Perform any other related duties as required or assigned.
EDUCATION AND EXPERIENCE Broad knowledge of such fields as
accounting, marketing, business administration, finance, etc.
Equivalent to a four year college degree, plus 8 years related
experience and/or training, and 2 years related management
experience, or equivalent combination of education and
COMMUNICATION SKILLS Ability to write reports, business
correspondence, and policy/procedure manuals; Ability to
effectively present information and respond to questions from
groups of managers, clients, customers, and the general public.
MATHEMATICAL SKILLS Ability to calculate figures and amounts
such as discounts, interest, commissions, proportions, percentages,
area, circumference, and volume. Ability to apply concepts such as
fractions, ratios, and proportions to practical situations.
CRITICAL THINKING SKILLS Ability to solve practical problems and
deal with a variety of known variables in situations where only
limited standardization exists. Ability to interpret a variety of
instructions furnished in written, oral, or diagram formats.
REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS Not
PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS Not
SOFTWARE SKILLS REQUIRED Advanced: 10-Key, Accounting,
Spreadsheet, Word Processing/Typing
RESPONSIBILITY FOR WORK OF OTHERS Responsibility for work of
others: Not indicated.
WORKING CONDITIONS Normal working conditions as found within an
office setting, wherein there is controlled temperature and a low
noise level, plus a minimum of distractions.
ENVIRONMENTAL CONDITIONS The following work environment
characteristics described here are representative of those an
employee encounters while performing essential functions of this
job. Reasonable accommodations may be made to enable individuals
with disabilities to perform the essential functions. The noise
level in the work environment is usually quiet.
PHYSICAL ACTIVITIES The following physical activities described
here are representative of those that must be met by an employee to
successfully perform the essential functions of this job.
Reasonable accommodations may be made to enable individuals with
disabilities to perform the essential functions and expectations.
Semi-repetitive, low physical. Semi-repetitive type work which
requires periods of concentration for varied time cycles as
prescribed by the tasks. While performing the functions of this
job, the employee is continuously required to sit; frequently
required to talk or hear; and occasionally required to walk, use
hands to finger, handle, or feel. The employee must occasionally
lift and/or move up to 10 pounds. Specific vision abilities
required by this job include close vision.
ADDITIONAL INFORMATION Should be analytically minded and possess
good judgment. May act as a team leader. Proficient in Microsoft
Word and Excel.