Credit Analyst II

Description:

• Prepare annual reviews to ensure the bank’s credit quality and profitability are met by demonstrating sound credit analysis and loan structure are in compliance with established internal and regulatory policies to contribute to the bank’s profit and growth objectives.
• Prepare commercial loan credit proposals to ensure the bank’s credit quality and profitability are met by demonstrating sound credit analysis and loan structure are in compliance with established internal and regulatory policies and procedures while providing excellent customer service in order to contribute to the bank’s profit and growth objectives.
• Further support lenders by completing credit memos and/or periodic inspections for FSA and SBA guaranteed loans.
• Review commercial and residential real estate appraisals to ensure that they comply with appraisal regulation and interagency guidelines per the following: addresses appraiser independence and qualifications; assesses the accuracy of the 3 methods of evaluation and the appropriateness of the weighting of each method; identifies and resolves any deficiencies in the report; reports any unresolved deficiencies which, in the analyst’s opinion, places the bank at risk to a Credit Officer.
• Calculate and review borrower compliance with loan covenants and report any violations to a Credit Officer.
• Develop and maintain a personal program for maintaining an adequate level of knowledge in lending, accounting, and other banking matters, and demonstrate personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees in order to ensure an acceptable degree of performance.

Requirements:

• Knowledge and understanding of compliance issues and regulations and of the bank’s lending
• policies and procedures.
• Strong communication and analytical skills.
• A good working knowledge of accounting, financial statements, and tax returns.
• Good interpersonal skills and team orientation.
• Proficient in Microsoft Office Suite and related program software.
• Proficient with or the ability to quickly learn position-related software.
• Ability to effectively use general office equipment.
• Ability to supervise a staff and assist in training Credit Analyst I(s). (preferred)
• Three to five years of experience as a Credit Analyst.
• Bachelor's degree (two semesters of accounting preferred) or equivalent educational experience. (preferred)

BENEFITS: Comprehensive benefit package to include:

• Health, dental, and vision benefits
• 401k w/ company match
• Paid time off; paid holidays
• Group and voluntary life insurance and disability insurance
• Aflac supplemental plans
• Employee Assistance Program

Our goal is to support the growth of the communities we serve. First Citizens has a knack for hiring the finest and brightest employees; we understand how fostering their growth builds loyalty and impacts customer service. Our employees are our strongest asset. So, we accommodate families, invest in our employees' future, and recognize hard work.

First Citizens Community Bank is committed to equal employment opportunity and does not discriminate on the basis of any legally protected status or characteristic. Protected veterans and individuals with disabilities are encouraged to apply.