Credit Analyst II

at First Citizens Community Bank in Wilmington, Delaware, United States

Job Description

JOB RESPONSIBILITIES:

• 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.  

HOURS will average approximately 40 per week.  This position is budgeted for 2,080 hours per year.