Credit Analyst

Position Summary:  The Credit Analyst drafts credit write-ups for commercial, consumer and residential loans.   Inputs financial reports to analysis software, prepares financial analysis, and conducts credit investigations. Aids with the maintenance of loan requirements, loan portfolio monitoring and reports.   

Essential/Required Duties & Responsibilities: 

• Drafts credit write-ups in standard format.  Prepares summary of facts concerning credit worthiness for new, renewal, and extension loans based on Loan Officer input and analysis of financial data.
• Tracks and enters customer information, financial statements, tax returns and related material using designated software or other analysis programs.  Analyzes financial conditions and collection trends, reviews, and reports non-compliance with loan covenants.
• Creates and generates reports to analyze the overall financial condition of the loan portfolio utilizing report writing software.   Assists to identify any changes in the portfolio’s condition. 
• Conducts periodic reviews of credit files and doc files to ensure maintenance of required documentation relative to the bank’s established standards & annual internal/external audits of the loan portfolio and loans pledged as collateral to the Federal Home Loan Bank.
• Prepares Federal Home Loan Bank Qualifying Loan Reports each month for prior month’s mortgage originations to determine their eligibility as collateral under FHLB funding guidelines.
• Orders appropriate documentation based on approved Credit Arrangement Sheet and prepares documentation request for submission to Loan Processing.
• Assists loan officers with financial analysis questions.
• Backs-up loan administration with all facets of the loan documentation process.
• Maintains profitability updates; prepares correspondence and handles various projects assigned by manager, supervisor, or loan officers.
• Regular attendance at the FineMark location designated in this job description, during regular business hours, or assigned hours for the position, is required. This is not a remote-work position

Desired, But Not Essential Responsibilities:

•  Completes loan packages in accepted internal format.  
• Responds to questions from Loan Administration.
• Communicates directly with the applicant/customer regarding application and/or loan related questions, if requested by Loan Officer. 
• Attends educational programs appropriate to current or future responsibilities.
• Performs other tasks assigned by Supervisor/Manager.

Supervisor Responsibility:  None 

Required Education, Skills, and Experience:

• Two to four years related experience; or bachelor’s degree with an emphasis in a business-related field from a four-year college or university; or a related university certificate program; or equivalent combination of education and related experience including financial statement analysis skills.
•  Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or government regulations.   Ability to write reports, business correspondence, and procedures.  Ability to effectively present information and respond to questions from groups of managers, customers, the public or professional peers.
•  Ability to work with mathematical concepts such as statistical inference.   Ability to apply concepts such as fractions, percentages, ratios, and proportions to business related situations.   Aptitude for detecting errors or deficiencies in the customer’s financial statements.  Ability to analyze cash flow and bring to the attention of the loan officer.
•  Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.  Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
• Ability to create new word processing and spreadsheet files using generally accepted formats.  Ability to use database programs and other banking specific programs and to access reports.  Ability to use software documentation and help features.  Aptitude for learning advanced features and specialized software programs.
• Strong organizational and time management skills; attention to detail.
• Ability to accept and adapt to work conditions readily and with ease.

Preferred Knowledge, Skills, Abilities, Education and Experience:

• Demonstrated successful experience as a Credit Analyst I or equivalent knowledge.
• Banking experience, particularly with loan administration knowledge.
• Ability to prepare loan packages.
• Understanding of financial analysis.

ADA Job Description:  The physical requirements and activities described herein are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.  

Physical Requirements.  This position primarily requires ntary work; exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Walking and standing are required only occasionally.  
Physical Activities.  The following physical activities are frequently required: talking is required to express or exchange ideas by means of the spoken word and hearing, with or without correction, is required to perceive the nature of sounds at normal speaking levels.  The use of fingers is frequently required to pick, pinch, type (e.g., keyboard) or otherwise work, primarily with the fingers rather than with the whole hand as in handling. There is frequent repetitive motion which requires substantial movements (motions) of the wrists, hands, and/or fingers.  This position may occasionally require that a person climb, balance, stoop, kneel, crouch, crawl, reach, push, pull, lift, grasp and/or squat.
Visual Requirements.  Close visual acuity and the ability to adjust focus, with or without correction, are required to perform activities such as, viewing a computer monitor or written materials and   documents; reading; writing; preparing and analyzing data and figures; transcribing; close visual inspection.  Some distance vision and color vision may be necessary.

 Environmental conditions.  A person is not substantially exposed to adverse environmental conditions and only exposed to moderate noise; they may occasionally work near moving mechanical parts or machinery such as a copier/printer.

FineMark National Bank & Trust complies with the Americans with Disabilities Act (ADA) and the Americans with Disabilities Amendments Act (ADAAA).  During the interview process, you may be asked questions concerning your ability to perform job-related functions.  As an equal employment opportunity (EEO) employer, FineMark National Bank & Trust adheres to a policy of making employment decisions without regard to race, color, religion, sex, national origin and status as an individual with a disability or protected veteran. We assure you that your opportunity for employment with FineMark depends solely upon your qualifications.

FineMark is a Drug-Free Workplace. Before hire, drug tests are conducted for all positions. Drug and alcohol tests may be conducted during employment. You may request a copy of FineMark National Bank & Trust’s Drug-Free Workplace Policy by contacting 239.461.3896.