Credit Analyst at Pendleton Community Bank, Inc

Job DescriptionJob DescriptionCREDIT ANALYST ANY PCB LOCATIONPRIMARY RESPONSIBILITIESPrimary Responsibilities include, but are not limited to:work with the loan officers and customers to analyze customer financial information to determine creditworthiness and capacity for repayment including preparing standard and complex loan approval packages to be presented for approval. Additionally, this position will be responsible for completing periodic reviews on existing loan relationships as well as ongoing monitoring/reporting of various portfolio data.ACCOUNTABILITIESCollect and analyze borrower's tax returns and financial statements to determine creditworthiness and capacity for repayment.Prepare and present standard and complex loan approval packages to SVP Chief Credit Officer and Internal Loan Committee.Prepare periodic reviews on existing loan relationships.Maintain communication with loan production staff during loan underwriting and approval process.Contact credit bureaus, employers, and other sources to check applicants' credit and personal references.Exhibit an understanding of and ensure compliance with loan and regulatory policies and procedures.Interview loan applicants to obtain personal and financial data and to assist in collecting all necessary information.Obtain, maintain, and track recurring, required financial information.Gather, analyze and report various points of data from existing portfolio.Manage & track various reporting requirements specified in credit policy.Comply with Bank Secrecy Act (BSA), the Office of Foreign Assets Control (OFAC), the USA PATRIOT ACT (CIP), Customer Due Diligence (CDD), including reporting suspicious activities to the BSA Department as well as other banking and company regulations and rules.Other duties as required.COMPETENCIESUsing relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards.Analyzing information and evaluating results to choose the best solution and solve problems.Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.Able to adjust quickly to different work situations in a fast-paced environment.Must be able to communicate thoughts clearly and professionally, both orally and in writing, as well as external contacts. Must always maintain confidentiality.Regard for important details to assure accuracy in all aspects of the job, detect errors and follow through on corrections and details.Ability to manage time to complete assignments and responsibilities, prioritize multiple tasks, work efficiently, meet short deadlines, take direction, and maintain production despite frequent interruptions.Ability to establish and maintain cooperative and professional working relationships with those contacted in the course of work, including employees in other departments or facilities, vendors, and customers.Honest and ethical in all mattersRequires being pleasant with others on the job and displaying a good-natured, cooperative attitude.EDUCATION NEEDEDBachelor's degree or equivalent work experienceSALARY STATUSSalary, Pending ExperienceSKILLS NEEDED5+ years of banking or related credit analysis / lending experience (preferred)Knowledge of federal and state commercial loan requirements Possess critical thinking and in-depth analysis skillsStrong verbal and written communications skillsStrong relationship-building skillsExcellent time management and organizational skills with the ability to handle multitask situationsAttentive to detailsAbility to work independently as well as complete projects using a team Strong computer skills and be proficient in Microsoft Word, Excel, and PowerPoint Pendleton Community Bank is an equal opportunity employer / veteran / disability. Employment decisions are based on merit and business needs, and not on race, color, citizenship status, national origin, ancestry, gender, age, religion, creed, physical or mental disability, marital status, veteran status, political affiliation, or any other factor protected by law. As a federal contractor, PCB accepts priority referrals of protected veterans for our openings.