- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
- Prepare reports that assess the degree of risk involved in extending credit or lending money including more complex Business Borrowers and Commercial Real Estate transactions.
- Evaluate customer records and loan structures and risk ratings based on earnings, balance sheet strength, payment history, management quality, guarantor strength and quality of collateral.
- Complete Loan Presentations, Annual Reviews, Modifications of Loan Terms, including credit analyses and risk rating recommendations for submission to appropriate authority for approval, including individual officers, Senior Commercial Loan Officer, President, Management Loan Committee and/or Board of Directors.
- Understand and interpret Bank Regulations and Bank Policies to aid in compliance with and/or identification of exceptions.
- Actively participate in the Appraisal and Real Estate Evaluation, Ordering and Review Process and complete Real Estate Evaluations meeting regulatory requirements and all associated Bank Policies.
- Assists in generating Reports to be used by Management, Senior Management and the Board of Directors.
- Assists in preparing and assembling Loan Committee and Board Committee Packages.
- Documents Loan Committee Meeting Minutes, as needed.
- Perform other duties as assigned.
- Demonstrated ability to work as part of a team.
- Be punctual for scheduled work and use time appropriately.
- Perform duties in a conscientious, cooperative manner.
- Perform required amount of work in a timely fashion with a minimum of errors.
- Be neat and maintain a professional appearance.
- Comply with all Bank policies and procedures, including BSA and Information Security policies.
- Maintain confidentiality and protect the Bank by keeping information concerning Bank operations and customer information confidential.
- Able to consistently treat others with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
- Strong commitment to achieving personal and team growth and success through an understanding and commitment to the Bank's sales culture goals.
- Must have proven communication and interpersonal skills.
- Proficient in Microsoft Word & Excel
- At least one year of Commercial Credit Underwriting Experience including Commercial and Industrial and Commercial Investment Real Estate Borrowers
- Knowledge of Banking Regulations including but not limited to Appraisal Requirements, Community Reinvestment Act, Fair Lending, Flood Insurance Requirements, Home Mortgage Disclosure Act and Truth in Lending.
- Excellent interpersonal and communication skills.
- Good organizational skills.
- Bachelor's Degree (four-year college or university) preferably with concentration in Accounting, Economics, Finance or Business Administration.
- Commercial Banking Certificate Courses in areas of Cash Flow Analysis, Financial Statement Analysis, Commercial Loan Structuring and/or Appraisal & Evaluation Development & Review offered through Risk Management Association, Center for Financial Training, American Bankers Association, and New England School of Banking are preferred.
-
credit analyst
1 hour ago
General Shale Augusta, United StatesJOB TITLE: Credit Analyst · DEPARTMENT: Finance · LOCATION: Augusta, GA or Johnson City TN · TRAVEL: N/A · General Shale Brick, Inc., a leading manufacturer of brick and masonry products is seeking a Credit Analyst to work at our facility in Augusta, GA or Johnson City, TN · ...
-
credit analyst
1 week ago
General Shale Augusta, United StatesJOB TITLE: Credit AnalystDEPARTMENT: FinanceLOCATION: Augusta, GA or Johnson City TNTRAVEL: N/A · General Shale Brick, Inc., a leading manufacturer of brick and masonry products is seeking a Credit Analyst to work at our facility in Augusta, GA or Johnson City, TN · Responsibili ...
-
Credit Analyst
2 weeks ago
gpac Augusta, United States Full timeA community bank is seeking a Credit Analyst to join its team. The Credit Analyst is responsible for conducting credit investigations by collecting, analyzing, and interpreting data and financial information to evaluate and mitigate credit risk and determine the appropriate credi ...
-
Credit Analyst
2 weeks ago
Security Federal Augusta, United StatesThis position is responsible for analyzing the financial data of new and existing commercial loans and preparing credit reviews; entering data into database and/or spreadsheet; generating reports, reviewing balance sheets, reviewing income statements, calculating ratios in prepar ...
-
Credit & Collections Analyst 1
6 days ago
Everett J Prescott Inc Gardiner, United StatesTeam EJP is currently hiring for an energetic, team oriented individual to join our Finance team as a Credit and Collections Analyst 1. · As Credit and Collections Analyst 1 you will be responsible for monitoring a portfolio of accounts and conduct daily calls to internal partner ...
-
Commercial Credit Analyst II
6 days ago
Maine Community Bank Westbrook, United StatesJob Type · Full-time · Description · Position Title: Commercial Credit Analyst II · Department: Credit Administration · Reports To: Commercial Credit Department Manager (or Senior Credit Analyst/Team Lead) · Supervises: N/A · FLSA Status: Exempt · Last Revised/Approved: March ...
-
Commercial Credit Analyst II
2 weeks ago
Bangor Savings Bank Portland, United StatesFUNCTION: Works proactively with loan officers to prepare independent comprehensive written presentations of the Bank's existing and prospective business lending relationships. These relationships range from small business loans originated by branches to the largest business loan ...
-
Commercial Credit Analyst II
2 weeks ago
Bangor Savings Bank Portland, United StatesFUNCTION: Works proactively with loan officers to prepare independent comprehensive written presentations of the Bank's existing and prospective business lending relationships. These relationships range from small business loans originated by branches to the largest business loan ...
-
Board Certified Behavior Analyst
5 days ago
RSU5 Freeport, United StatesRSU5 DURHAM-FREEPORT-POWNAL · **Board Certified Behavior Analyst (2011)** · ** ** · **District** · **Requirements**: · Must hold a valid CHRC from Maine Dept. of Education. · Master's Degree in Behavioral Science. · National Certification as Board-Certified Behavioral Analyst (BC ...
-
Commercial Banking Officer II
2 weeks ago
Camden National Bank Defunct Auburn, United StatesLive here. Play here. Bank here. Work here. · If you're looking to build your career at a forward-thinking organization with deep community roots and a vision for growth, success, and giving back, you've come to the right place. · Examines, evaluates, and authorizes or recommen ...
-
Financial Analyst
2 days ago
State of Maine Augusta, United States**FINANCIAL ANALYST**: · **(PUBLIC SERVICE COORDINATOR I)**: · **_ -ANTICIPATED VACANCY-_** · **Opening Date**: · April 26, 2024 · **Closing Date**: · May 10, 2024 · **Location**: · Augusta · **Position #**: · **Position Type**: · Permanent Full Time · **Class Code**: · CA28 · ** ...
-
Spec Ed Tech III Behavior Analyst
6 days ago
Maine Medical Center Portland, United StatesSummary · Center of Excellence · The Glickman Lauder Center of Excellence in Autism and Developmental Disorders is a full-service integrated treatment, research, and training center designed to meet the needs of Maine families, generate new treatment models, and advance autism s ...
-
Commercial Portfolio Manager
3 weeks ago
Kennebec Savings Bank Portland, United StatesThis position is responsible for: (a) administering and managing the banks portfolio of commercial loans; (b) partnering with lenders in managing their loan relationships; (c) completing analytical reports and ongoing credit management support to me Portfolio Manager, Commercial, ...
-
Spec Ed Tech III Behavior Analyst
6 days ago
Maine Health Portland, United StatesFull Time · 37 Andover Road · Behavioral Health · Day Shift · Center of Excellence · The Glickman Lauder Center of Excellence in Autism and Developmental Disorders is a full-service integrated treatment, research, and training center designed to meet the needs of Maine families, ...
-
Commercial Portfolio Manager
2 weeks ago
Kennebec Savings Bank Portland, United StatesPOSITION SUMMARY: · This position is responsible for: (a) administering and managing the bank's portfolio of commercial loans; (b) partnering with lenders in managing their loan relationships; (c) completing analytical reports and ongoing credit management support to meet the ne ...
-
Analyst I or II
3 days ago
National Conference of State Legislatures Augusta, United StatesMaine Office of Policy and Legal Analysis · Washington State House of Representatives · South Dakota Legislative Research Council · Analyst I/II: $73,000 to $88,000 - $80,500 to $100,000 · An excellent opportunity is available in the Minnesota legislature to serve as an Analyst I ...
-
Business Data Analyst
3 weeks ago
Arkatechture Portland, United StatesBusiness Data Analyst - Financial ServicesDepartment: Professional ServicesEmployment Type: Full TimeLocation: Portland, ME, USADescriptionWhy Work Here?At Arkatechture, we have a simple shared mission: to build a sustainable organization built upon three pillars: Do something me ...
-
Aged Debtor and Finance Analyst
6 days ago
Trial Balance Falmouth, United StatesAged Debtor and Finance Analyst - Falmouth / Hybrid - £36-40,000If you're a motivated accountant who feels disillusioned by the limited number of employers in Cornwall that can offer genuine gold-standard career advancement, we're going to make you smile.Trial Balance Consulting ...
-
Inventory Analyst
3 weeks ago
Creative Financial Staffing (CFS) Westbrook, United StatesJob Description · Job DescriptionInventory Analyst · Why THIS Inventory Analyst Opportunity? · Fourth generation family-owned organization that has been around for over 100 years. · Excellent tenure among employees. · Comprehensive benefits including a 401k with a 4% match. · Cas ...
-
Financial Analyst 3
2 weeks ago
WEX Portland, United States Full timeAbout Team / Role · The Corporate FP&A team at WEX in Portland, ME is currently seeking a highly driven Financial Analyst (intermediate) who has honed skills in financial reporting and systems, is committed to excellence in their work, and is able to quickly connect dots to unde ...
Commercial Credit Analyst II - Auburn, United States - Maine Community Bank
2 weeks ago
Description
Job Type
Full-time
Description
Position Title: Commercial Credit Analyst II
Department: Credit Administration
Reports To: Commercial Credit Department Manager (or Senior Credit Analyst/Team Lead)
Supervises: N/A
FLSA Status: Exempt
Last Revised/Approved: March 2024
POSITION SUMMARY:
Analyze financial statements, business plans, credit reports and other relevant information of various business entities and individuals to determine the degree of risk involved in a requested or existing extension of credit. Prepare clear and concise reports using a variety of analytical tools for use in decision-making by Lending Officers, Senior Management, Loan Committees and the Board of Directors. The position will be responsible for providing the highest level of Customer Service, and adheres to the Bank's Core Values, and Service Standards.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
The physical requirements described here are representative of those that must be met by the Incumbent to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit and talk or hear. The employee is frequently required to stand, walk and use hands to operate a standard computer keyboard. The employee may occasionally lift and/or move up to 25 pounds. Specific vision abilities required by the job include close vision, distance vision, and the ability to adjust focus.
WORK ENVIRONMENT:
The work environment characteristics described here are representative of those the incumbent encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Usual office conditions. Noise level is usually quiet.
QUALIFICATIONS NEEDED FOR POSITION:
Experience and Skill Requirements: The following experience and skills are considered essential:
External and internal applicants, as well as position incumbents who become disabled as defined under the Americans With Disabilities Act, must be able to perform the essential job functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on a case by case basis.
The job description does not constitute an employment agreement between the employer and the employee and is subject to change by the employer as the needs of the employer and requirements of the job change.