The Credit Analyst will work as part of the Finance team to determine our customers’ creditworthiness. Analyzing financial data to assess the likelihood of a borrower honoring their financial obligations. This position will work cross functionally with accounting and finance teams and report to the Accounting Manager.
Requirements
- Assess creditworthiness of existing or prospective clients
- Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc.)
- Complete ratio, trend and cash flows analyses and create projections
- Deliver a multidimensional perspective on the investment outlook in an accessible and informative manner
- Determine in depth the degree of risk involved
- Carefully analyze data and produce clear and objective reports
- Routinely monitor loans for compliance
- Adhere to credit policy and guidelines
- Monitor corporate portfolio asset quality on an ongoing basis
- Draft models of credit information that predict trends and patterns
Experience Required:
- Proven working experience as a credit analyst
- Proficiency in statistical packages and financial software
- Up to date with legal, compliance and market risk related issues
- Ability to analyze cash flows, leverage, collateral and customer strength
- Strong communication and presentation skills
Competencies Required:
- Detail oriented, strong eye for errors and inconsistencies
- Strong analytical and problem-solving skills with ability to work independently
- Excellent written and verbal communication skills
- Technical aptitude, strong understanding of principles and mechanics for effective data structure and analysis
Education and Abilities Required:
- Bachelor’s Degree in Accounting or related field strongly preferred
Physical Requirements:
- Ability to occasionally lift office products and supplies weighing up to 20 pounds
- Ability to occasionally move product weighing up to 50 pounds, including lifting, placing, pushing and pulling
Work Environment:
- Ability to remain at a stationary position 50% of the time
- This position requires onsite attendance and is not eligible for telework
Benefits
- Medical, Dental amp; Vision Insurance
- Retirement: 401(k) matching
- 7 Company Paid Holidays and 1 Float Holiday!
- PTO to support your work-life balance
- Health Savings Account (FSA)
- Dependent Care (FSA)
- Life amp; Disability Insurance Basic Life, ADamp;D, Short- amp; Long-Term Disability and more!
Disclaimer:The above statements are intended to describe the general nature and level of work being performed by employees assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of employees assigned to this position.
Mitchell Lewis amp; Staver provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.
This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.