COMMERCIAL CREDIT ANALYST Job in 01931
BANKGLOUCESTER -Commercial Credit Analyst/Administrator Job Summary Responsible for the analysis of financial data for new and existing commercial loans at the bank to help determine the credit worthiness of borrowers and guarantors. Reports to President CEO. Specific Job Functions 1. Prepare independent financial analysis assessing the credit worthiness of commercial loan applicants guarantors for Security Committee. 2. Analyze business and personal financial statements. Includes summary of compliance with covenants and identification of positive and negative financial trends. 3. Perform loan review activities on existing portfolios. Includes analysis of cashflow, balance sheets and income statements for businesses and financial statements and tax returns for personal guarantors. 4. Monitor report on individual loan/borrower compliance with loan covenants. 5. Make recommendations for risk ratings based on analysis performed. 6. Track and report on status of existing portfolio. 7. Manage request for financial information process with existing customers. Job Requirements · College degree with major in accounting or finance preferred. · Prior bank experience with at least 3 years in commercial banking. · Understanding of balance sheets, income statements cash flow, real estate trends and market conditions · Excellent organizational, interpersonal and communication skills. · Proficient with Microsoft Office Suite and database management software. · Ability to manage workflow based on time constraints. BankGloucester offers an excellent benefits package that includes health and dental insurance, 401k with a generous employer match, life insurance, and long and short term disability. Please forward your resume to: Human Resources, BankGloucester, 160 Main St., Gloucester, MA 01930 EOE Member FDIC Member SIF
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