Credit Analyst |
| May. 28, 2009 - Aug. 25, 2009 |
| Location: | Bluefield, VA |
| Exempt/Non-Exempt: | Non-Exempt |
| Benefits: | Medical, Vision, and Dental Insurance, Life Insurance, 401(k), etc. |
| Employment Type: | Full Time |
| Branch: | Credit Administration (Corporate Center - Bluefield VA) |
| Description: | Requires twelve (12) to eighteen (18) months to learn all aspects of the position. |
| Duties: | ESSENTIAL FUNCTIONS
1. Ability to read and understand financial statements and determine the strengths and weaknesses of an applicant’s financial position through review of current and historic financial statements and/or tax returns.
2. Understand how to calculate and interpret financial ratios.
3. Apply the Bank’s Credit Policy to potential lending opportunities to identify structural weaknesses and policy exceptions.
4. Ability to read and understand applicant/guarantor’s personal credit reports.
5. Communicate analysis findings in a detailed and concise manner.
6. Ability to assess credit and secondary repayment risk to the Bank.
ADDITIONAL RESPONSIBILITIES
1. Self development: pursues additional education to improve knowledge as it relates to the position, compliance, and the Bank in general. Acceptable sources of continuing training and education are seminars, Industry conferences, approved e-learning courses, in-house programs, or selected vendor programs.
2. Customer confidentiality: never reveal or divulge customer information to anyone outside the Bank.
3. Performs other duties as assigned.
The above statements are intended to describe the general nature and level of work performed by people assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.
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| Qualifications: | 1. Must have good analytical and problem solving skills.
2. Must have good oral and written communication skills.
3. Must have professionalism in dealing with branch personnel, managers and coworkers.
4. Good computer skills including Word and Excel.
EDUCATION AND EXPERIENCE
College graduate with a degree or concentration in accounting or finance.
MENTAL/PHYSICAL REQUIREMENTS
1. Must have the ability to maintain composure under pressure and to balance various projects simultaneously.
2. Must be a team player with a willingness to assist others.
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