Company: Finemark National Bank
Posted on: May 14, 2022
Position Summary: The Credit Analyst drafts credit write-ups for
commercial, consumer, and residential loans. Inputs financial
reports into the analysis software prepares financial analysis and
conducts credit investigations. Provides assistance with the
maintenance of loan requirements, loan portfolio monitoring, and
Essential/Required Duties & Responsibilities:
Drafts credit write-ups in a standard format. Prepares summary of
facts concerning credit worthiness for new, renewal, and extension
loans based on Loan Officer input and analysis of financial
Tracks and enters customer information, financial statements, tax
returns, and related material using designated software or other
analysis programs. Analyzes financial conditions and collection
trends; reviews and reports non-compliance with loan covenants.
Creates and generates reports to analyze the overall financial
condition of the loan portfolio utilizing report writing software.
Assists to identify any changes in the portfolio's condition.
Conducts periodic reviews of credit files and doc files to ensure
the maintenance of required documentation relative to the bank's
established standards & annual internal/external audits of the loan
portfolio and loans pledged as collateral to the Federal Home Loan
Prepares Federal Home Loan Bank Qualifying Loan Reports each month
for the prior month's mortgage originations to determine their
eligibility as collateral under FHLB funding guidelines.
Orders appropriate documentation based on approved Credit
Arrangement Sheet and prepare documentation requests for submission
to Loan Processing.
Assists loan officers with financial analysis questions.
Backs-up loan administration with all facets of the loan
Maintains profitability updates; prepares correspondence and
handles various projects assigned by the manager, supervisor, or
Desired, But Not Essential Responsibilities:
Completes loan packages in an accepted internal format.
Responds to questions from Loan Administration.
Communicates directly with the applicant/customer regarding the
application and/or loan-related questions if requested by the Loan
Officer. --- Attends educational programs appropriate to current or
Performs other tasks assigned by the Supervisor/Manager.
Required Education, Skills, and Experience:
Two years of experience as a credit analyst for a financial
Bachelor's degree with an emphasis in a business-related field from
a four-year college or university; or a related university
certificate program; or equivalent combination of education and
related experience including financial statement analysis
Ability to read, analyze, and interpret general business
periodicals, professional journals, technical procedures, or
Ability to write reports, business correspondence, and procedures.
Ability to effectively present information and respond to questions
from groups of managers, customers, the general public, or
Ability to work with mathematical concepts such as statistical
inference. Ability to apply concepts such as fractions,
percentages, ratios, and proportions to business-related
situations. Aptitude for detecting errors or deficiencies in the
customer's financial statements. Ability to analyze cash flow and
bring it to the attention of the loan officer.
Ability to solve practical problems and deal with a variety of
concrete variables in situations where only limited standardization
exists. Ability to interpret a variety of instructions furnished in
written, oral, diagram, or schedule form.
Ability to create new word processing and spreadsheet files using
generally accepted formats. Ability to use database programs and
other banking-specific programs and to access reports. Ability to
use software documentation and help features. Aptitude for learning
advanced features and specialized software programs.
Strong organizational and time management skills; attention to
Ability to accept and adapt to work conditions readily and with
Preferred Knowledge, Skills, Abilities, Education, and
Experience with Sageworks preferred
Demonstrated successful experience as a Credit Analyst I or
Banking experience, particularly with loan administration
Ability to prepare loan packages.
Understanding of financial analysis.
ADA Job Description: The physical requirements and activities
described herein are representative of those that must be met by an
employee to successfully perform the essential functions of this
job. Reasonable accommodations may be made to enable individuals
with disabilities to perform the essential functions.
Physical Requirements. This position primarily requires sedentary
work; exerting up to 10 pounds of force occasionally and/or a
negligible amount of force frequently or constantly to lift, carry,
push, pull or otherwise move objects, including the human body.
Sedentary work involves sitting most of the time. Walking and
standing are required only occasionally.
Physical Activities. The following physical activities are
frequently required: talking is required to express or exchange
ideas by means of the spoken word and hearing, with or without
correction, is required to perceive the nature of sounds at normal
speaking levels. The use of fingers is frequently required to pick,
pinch, type (e.g., keyboard) or otherwise work, primarily with the
fingers rather than with the whole hand as in handling. There is
frequent repetitive motion which requires substantial movements
(motions) of the wrists, hands, and/or fingers. This position may
occasionally require that a person climb, balance, stoop, kneel,
crouch, crawl, reach, push, pull, lift, grasp and/or
Visual Requirements. Close visual acuity and the ability to adjust
focus, with or without correction, are required to perform
activities such as viewing a computer monitor or written materials
and documents; reading; writing; preparing and analyzing data and
figures; transcribing; close visual inspection. Some distance
vision and color vision may be necessary.
Environmental conditions. A person is not substantially exposed to
adverse environmental conditions and only exposed to moderate
noise; they may occasionally work near moving mechanical parts or
machinery such as a copier/printer.
FineMark National Bank & Trust complies with the Americans with
Disabilities Act (ADA) and the Americans with Disabilities
Amendments Act (ADAAA). During the interview process, you may be
asked questions concerning your ability to perform job-related
functions. As an equal employment opportunity (EEO) employer,
FineMark National Bank & Trust adheres to a policy of making
employment decisions without regard to race, color, religion, sex,
national origin, and status as an individual with a disability or
protected veteran. We assure you that your opportunity for
employment with FineMark depends solely upon your
Keywords: Finemark National Bank, Charleston , Credit Analyst, Accounting, Auditing , Charleston, South Carolina
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