Evergreen Federal Bank is seeking talented individuals who believe in offering exceptional customer service and enjoy making a positive difference in the community where they live. Celebrating over 90 years of operation, our institution has provided many stable careers. We offer competitive pay and a community-centric culture. We are currently accepting applications for Senior Commercial Credit Analyst at our Grants Pass headquarters location. 

Job Summary and Responsibilities

The Senior Commercial Credit Analyst position is responsible for managing all aspects of the credit administration department. This includes responsibility for supervising credit administration personnel, evaluating the financial viability and accurate underwriting of new loan applicants, as well as ensuring the appropriate financial credit review for designated on-going loan relationships. Essential duties include the following:

• Supervise, develop and train competent credit analysts.
• Review credit administration department work to ensure accuracy and quality.
• Develop, update and implement credit administration best practices.
• Maintain a working understanding of the different types of loans, loan structures and credit options/terms that are available within lending parameters of institution policy.
• Accurately and efficiently analyze highly complex business and personal credit data and financial information including, but not limited to tax returns, profit and loss statements, balance sheets and statements of cash flow to determine the degree of risk involved in extending credit or lending money.
• Generate financial ratios to evaluate financial status, using computer programs including but not limited to Buker’s Tax Analysis and Microsoft Excel.
• Compile and underwrite relevant data for loan requests including those with highly complex borrowing structures and/or highly complex financial profiles; assist in the evaluation of loan request quality and compliance with commercial lending parameters pursuant to the institution policy.
• Draft loan proposals and summaries of loan requests which effectively and efficiently convey information about borrowers, collateral, potential strengths/weaknesses and risks and any other pertinent information necessary for review and approval determination by loan committees.
• Determine items needed from borrowers/applicants.
• Accurately update and organize both hardcopy and digital loan files.
• Effectively utilize quality control checklists to ensure regulatory and institution policy compliance.
• Communicate with customers, internal bank staff and external informational sources in-person, by phone, by email and in written form as needed.
• Schedule and occasionally perform collateral inspections for potential real estate loans as well as on-going construction loans and direct disbursement of funds as needed.
• Review and analyze preliminary title reports for any issues affecting value of collateral.
• Review and analyze appraisal reports for any issues affecting value of collateral.
• Maintain records and prepare reports as required regarding loan originating activities.
• Requires compliance with internal policies and procedures, as well as applicable laws and regulations, including the Bank Secrecy Act.

Additional responsibilities of this position are as follows:

• Performing Administrative Activities – Performing day-to-day administrative tasks such as maintaining information files and processing paperwork.
• Learn and temporarily perform job duties for other positions in the organization as needed.
• Other duties as assigned.

Eligibility

The successful individual in this position will possess the following core skills/competencies: 

• Integrity and Trustworthiness
• Dependability
• Adaptability/Flexibility
• Attention to detail
• Analytic thinking
• Problem solving, judgment and decision making
• Well-developed understanding of personal and business accounting
• Effectively apply highly complex financial analysis and lending concepts
• Ability to effectively teach others complex financial analysis and concepts  
• High degree of competency with various computer systems and software programs, including MS Office
• Effective communication with people both inside and outside the organization in person, in writing, by telephone and by email
• Develop and maintain positive, constructive and cooperative working relationships with people both inside and outside the organization 
• Ability to resolve conflict and negotiate with people both inside and outside the organization
• Ability to deal calmly and effectively with high-stress situations
• Organizing, planning and prioritizing work 
• Initiative and work independently
• Interpersonal skills
• Willing and able to work overtime as needed during times of higher loan demand

Education/Experience/Qualifications

• Bachelor’s degree or higher preferred. 
• Minimum seven years banking/finance or other relevant experience.
• Requires valid Oregon driver’s license and insurance. 

Benefits

Our comprehensive benefits package includes medical, dental, life, and long term disability coverage; paid vacation, sick time, holidays, volunteer time off (VTO); and tuition reimbursement to support your continued growth.

Physical Demands

• Must be able to remain in a stationary position for prolonged periods. 
• Moving about the office to access file cabinets, office machinery, etc.
• Be able to lift/carry up to 30 lbs.
• Operate a computer and other office machinery, such as a calculator, copy machine, printer, scanner, and other standard office equipment.
• The work primarily performed in this position is done within an indoor, climate-controlled environment. Occasional work in outdoor weather conditions.

Candidates must be able to complete all essential functions and physical requirements of the job with or without a reasonable accommodation.

This is not necessarily an all-inclusive list of job-related responsibilities, duties, skills, requirements or working conditions. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

Evergreen Federal Bank is an Equal Opportunity Employer, including veterans and individuals with disabilities.