Responsible for analyzing and monitoring the credit worthiness of the bank’s customers. Analyzes credit data to estimate degree of risk involve in extending credit or lending money to firms or individuals.

• Obtains loan request information from commercial lender or borrower to analyze credit information, financial statements and other related information pertaining to the loan
• Analyzes loan data on new, renewal and existing commercial loans, including data provided by credit bureaus, other financial institutions and financial institution files
• Researches background documentation and reviews personal and business financial statements and tax returns. Analyzes financial information and prepares the preliminary analysis for the lender
• Reviews and prepares written analysis, spreadsheets, reports, summaries and opinions. Prepares and assists in the preparation of loan memorandum for presentation to lenders and/or loan committees
• Assists with annual review of Bank's large relationships and assigns grades in accordance with loan policy.
• Work with loan officers and bank management to collect financial and credit file documentation used in credit request analysis.

Updated 050823

EOE