Credit Analyst

Apply Description General Summary The Credit Analyst will play a vital role in the NewFirst Commercial & Industrial and Commercial Real Estate lending processes providing analytical and technical skill sets to facilitate the underwriting decision-making. The specific responsibility of the Credit Analyst is to ensure quality and timely processing of new and renewal loans by providing in-depth financial professional analysis of the conditions, capacity, cash flow, and collateral elements of the credit. In addition, maintain high loan portfolio quality by performing ongoing, scheduled financial assessment of all large credit and a statistical sampling of smaller credit portfolio. Job Responsibilities Primary duties include, but are not limited to, the following: Analyzing and underwriting new & renewed loan requests. Loan types include investment real estate, construction and development loans, operating credit requests (lines of credit and equipment purchases), and agricultural loans. Will spread and analyze financial information for all lenders and branches within the market. Participate with sales in the formation of credit officer memos providing financial analysis support to the process. Monitor and evaluate post funding performance and draw requests. Participate in Loan Committee meetings with Lenders. Be prepared to support loan analysis conclusions to all effected parties (sales, underwriting, senior management, BOD, examiners) including the customer. Assist the sales process with administration of Sales Contact files including creation of reports, sales meeting preparation and training of users. Perform other duties as required or assigned by Senior Credit Associate and support all team functions as necessary. Interpersonal and Professional Competencies to include: The successful candidate should have; A thorough understanding of financial statements including balance sheets, income statements and statements of cash flow. Extensive experience in Microsoft Excel including financial, data, and logic formulas, and pivot tables. The ability to manage multiple assignments, prioritize, and deal with changing deadlines with limited supervision. Excellent verbal and written communication skills. A strong work ethic, self-motivation, and an aptitude for critical thought and decision making. An ability to maintain sensitive and confidential information Career Advancement Career advancement as a Loan Production Officer is probable. Working Conditions Required to use hands to finger, handle or feel; reach with hands and arms. Requires corrected hearing in normal range of effective communication via telephone and alarms. Must be able to speak. Required to either sit or stand for long periods of time. Must occasionally lift up to 25 pounds. Length of day is unpredictable. Specific vision abilities include close vision, distance vision and the ability to adjust focus. Considerable effort and eye strain from continued checking on the accuracy of all work. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this job. Requirements Minimum Level of Education Minimum of a Bachelor’s degree in a relevant business field, such as Accounting, Finance, or Economics, and 1+ years in financial services, is preferred however, qualified recent graduates or an equivalent in related experience will be considered.