Bank Commercial Credit Analyst

Job Purpose:

Supports credit lending decisions by analyzing customer's financial condition and ability to pay.

Duties:

* Develops credit histories by compiling financial information.

* Interprets financial and specific industry trends and customer payment histories by creating historical financial spreadsheets on customers; categorizing and entering data; analyzing trends.

* Investigates variances on customers' financial statements by requesting information from sources; researching development within the industry.

* Submits credit reports by including research data; identifying credit strengths and/or weaknesses.

* Maintains historical studies of customers by compiling and analyzing financial developments; comparing industry statistics with the company's exposure to that industry; conferring with institutions providing loans to that industry.

* Provides credit information to sources by compiling information; issuing reports.

* Recommends action on delinquent accounts by analyzing paying practices of customers.

* Recommends credit line adjustments by evaluating customer records, purchase activity, and payment history.

* Verifies accuracy of charges and corrects account errors by reviewing purchasing documentation; interviewing customers.

* Provides information by answering questions and requests.

* Complies with federal, state, and local legal requirements by studying existing and new legislation; enforcing adherence to requirements; advising management on needed actions.

* Maintains customer confidence and protects operations by keeping information confidential.

* Contributes to team effort by accomplishing related results as needed.

Skills/Qualifications:

Reporting Research Results, Financial Software, Financial Skills, Confidentiality, Thoroughness, Analyzing Information, Research Skills, Informing Others, Judgment, Objectivity, General Math Skills