Credit Analyst I

Location: Harrisburg or York, PA, or mutually agreed upon location Position Summary: Assist loan officers in connection with financial analyses of all types of credit information; develop and analyze all types of credit information pertaining to commercial loans; prepare credit reports; furnish information relative to credit inquiries; provide other assistance to loan officers as requested. Qualifications: Bachelor’s degree in Business, Finance, or Accounting; equivalent work experience will be considered in lieu of a degree. Recent college graduate or minimum one (1) year of experience in spreading and analyzing financial statements (business & personal); working knowledge of Credit Department practices and procedures. Proficient reading, verbal and written communication, mathematical, computer, and interpersonal relations skills; solid working knowledge of current lending, loan review and banking regulations; proficiency in analyzing and interpreting financial statements; strong working knowledge of spreadsheet and database software. Essential Duties: Develop credit information, from various sources, for use by loan officers and approval authorities in evaluating creditworthiness of new and existing borrowers; prepare financial spreadsheets and compile supporting financial information; analyze financial information and related credit information to determine creditworthiness of borrower; may make recommendations to appropriate personnel on the granting or denying of loans; prepare sufficient information to document recommendations; provide thorough documentation of financial analysis work, including ratios and other related information; ensure credit analysis activities are conducted in accordance with prescribed lending policy. Prepare commercial loan presentations for appropriate approval authority; ensure that up-to-date financial statements, accounts receivables agings, and other required items are current and on file. Benefits: At Orrstown Bank, our employees are our most valuable asset. Our benefits package is designed to help our team achieve work/life balance, maintain a healthy lifestyle, and plan for the future. Medical insurance Dental insurance Vision insurance Long-term disability Short-term disability Employee, spouse and dependent life and AD&D insurance Flexible spending account Dependent care spending account Employee stock purchase plan 401(k)/profit-sharing program Paid time off Paid holidays Paid parental leave Employee service recognition