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Credit Analyst

Company: Unison Bank
Location: Gilbert
Posted on: November 23, 2022

Job Description:

Summary/Objective Primarily, the Credit Analyst position serves as the loan analyst for credits. This includes loan analysis, preparing the credit analysis on loans presented to the loan committee, and performing the annual reviews of credits. Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Responsible for analyzing loan data on new, renewing, and existing loans, including data provided by credit bureaus, other financial institutions and financial institution files. Prepare spreadsheets, reports, summaries and opinions for financial institution officers on new, renewing, and existing loans. Maintain control of the request, submission and receipt of financial documents from borrowers and prepare necessary analysis documentation. Ensure credit presentations are completed in a timely manner to accommodate approval deadlines. Establish, review and update new and existing loan files for the bank on a regular basis. Ensure all data entry is accurate and complete Maintain a good working knowledge of the Bank's lending policies and procedures and identify deviations from policy. Recommend policy changes to AVP Senior Credit Analyst when appropriate. Attend Loan Committee and Board Loan Committee and provide narrative summary of financial and collateral analysis for the committee's consideration. Provide an assessment of loan condition and quality, independent of the lending function. Report to the Loan Officer, AVP Senior Credit Analyst, Senior Loan Officer/AZ Market President/President findings that may have an adverse effect on loan collateral or a borrower's ability to repay the loan. Will be responsible for submitting required reports as necessary. Acts as a backup to the Credit Assistant for certain administrative duties. Consistently demonstrates appropriate interpersonal communication skills with customers, coworkers, and outside vendors. Follows all Unison Bank policies and procedures. Regular and reliable attendance. Required Education and Experience Bachelor's degree in business, finance, or related field; or 5 years of credit analysis experience; or an acceptable combination of education and experience. Preferred Education and Experience 2 or more years of credit analysis experience in a community bank. Competencies Communication proficiency.Business acumen.Time management.Ethical conduct.Relationship management.Unison Bank is an equal opportunity employer.Job Type: Full-timeBenefits: 401(k) 401(k) matching Dental insurance Employee assistance program Flexible spending account Health insurance Health savings account Life insurance Paid time off Parental leave Vision insurancePhysical setting: OfficeSchedule: Monday to FridayWork Location: One location

Keywords: Unison Bank, Gilbert , Credit Analyst, Professions , Gilbert, Arizona

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