Credit Analyst I - Military veterans preferred

Avidia Bank

Equal Employment Opportunity/M/F/disability/protected veteran status


Description:

Overview:

Under the direct supervision of the Senior Credit Analyst and/or Credit Department Manager, the analyst performs risk analysis on new credit requests and existing credit relationships for C&I, Commercial Real Estate and Commercial Construction Loans in accordance with established Bank policies and procedures. Focus is generally on the more straight-forward commercial loan relationships.

PRIMARY ACCOUNTABILITIES/RESPONSIBILITIES:
Performs any functions necessary, within scope of authority and expertise to provide the highest level of service and responsiveness:

• Ensures credit underwriting standards are applied consistently to credit requests. Conducts research and due diligence and applies appropriate underwriting techniques to assess the credit risk in individual credit requests.
• Conducts annual reviews on line of credit renewals.
• Spreads financial statements.
• May be called upon to work with the Credit Assistant in preparing various reports or in conducting research projects.
• Provides cross coverage support for the Credit Assistant.

OTHER ACCOUNTABILITIES / RESPONSIBILITIES:
Performs related and unrelated duties as may be required.

• Minimum one year experience in banking preferred.
• Bachelor's degree in Accounting, Finance, Economics, or Business.
• Motivation to learn and acquire credit analysis skills and knowledge in the commercial credit and loan risk management field.
• Demonstrated working knowledge of applied accounting and finance concepts as well as, an aptitude for performing financial analysis and attention to detail.
• Demonstrated proficiency with computer software including Excel, banking core processing systems and enterprise level data solutions.

Avidia Bank is an Equal Opportunity Employer/Veterans/Disabled

Member FDIC/DIF

PM21

PI277157722