Senior Credit Analyst – Jefferson Security Bank – Shepherdstown Barron Office

Apply:  Senior Credit Analyst Jobs, Employment in Shepherdstown, WV 25443 | Indeed 

General Purpose of the Position

Position is responsible for overseeing the credit analysis function within the bank as well as assisting the Chief Credit Officer in the development and monitoring of select aspects of credit administration. Oversight of credit analysis includes analyzing credit data and financial information of people and businesses that are applying for credit, as well as supervising and reviewing the work other credit analysts. Credit administration assistance includes ensuring compliance with policies and procedures, monitoring both portfolio and transactional credit risk, and ensuring compliance with regulatory requirements.

Responsibilities

Team Leadership 

• Assist with the administration and management of policies, standards, practices, and security measures for all department functions to ensure effective and consistent department operations.
• Assist with planning the continual upgrading of equipment and procedures to maintain pace with technological progress, economic change, and business needs.
• Perform standard supervisory administrative duties.
• Exhibit a leadership presence by engaging analysis staff and setting clear expectations of the quality and quantity of performance.
• Provide ongoing training and support for credit analysis staff.

Credit Underwriting and Analysis

• Oversee the preparation and presentation of credit proposals to Senior Management, Loan Committee, and the Board of Directors.
• Complete presentations of credit proposals for more complex situations, or as needed to maintain workflow, for presentation to Senior Management, Loan Committee, and the Board of Directors.
• Assist lenders in determining creditworthiness of applicants and terms under which credit will be granted.
• Review the underwriting documentation for loans that are approved at the officer level to determine compliance with bank policy and management within Board approved risk parameters.

Credit Administration

• Perform and supervise all aspects of financial analysis as necessary, including management of the Bank’s credit analysts.
• Perform and supervise all aspects of the annual credit review process.
• Ensure timely notification, collection, and proper filing of annual customer financial information.
• Prepare and review reports pertaining to lending activities for management and Board reporting.
• Assist loan officers to support lending activities and goals.
• Assist auditors, examiners, and other third-party consultants in their review of the Bank’s operations or portfolio.
• Work with lenders and department staff to identify, monitor, and resolve credit and documentation exceptions identified by all sources.
• Stay informed of developing trends in the lending industry.
• Provide superior customer service by responding to customers in a timely manner.

Other Responsibilities

• Represent the Bank in a positive, courteous, friendly, and professional manner with internal and external clients, including participation in community events.
• Any other duties as needed to drive the vision, fulfillment of the bank’s mission, and abide by the values of the Bank.

Qualifications  

• Bachelor’s degree in accounting, finance, or related field.
• Masters degree or CPA preferred.
• Minimum of 5 years of experience in credit administration, credit analysis, or direct lending with a financial institution.
• Mortgage operations experience preferred.
• Fluent in community bank loan operations, credit analysis, and regulations affecting all loan types.
• Excellent verbal, written, and interpersonal communication skills.
• Intermediate Microsoft Office skills.
• Strong analytical skills with high attention to detail and accuracy.
• Familiarity with LaserPro Lending and Jack Henry core banking system preferred.
• Experience with tax returns and financial statements and the ability to analyze financial statements and related documentation.
• Excellent customer service skills with strong diplomacy in addition to courtesy and tact.
• Must possess the ability to prioritize, and to work efficiently and accurately.
• Must be detail-oriented and demonstrate careful decision-making skills.
• Able to build and maintain trust-based, collaborative relationships and influence others.
• Knowledge of BSA and other relevant compliance regulations.

 Physical Demands

This job operates in an office and/or banking services environment.  The physical demands described here 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.

• This role routinely uses standard office equipment such as computers, telephones, photocopiers, filing cabinets and fax machines.
• This is largely a sedentary role; however, some filing is required; this would require the ability to lift files, open filing cabinets and bend or stand as necessary.
• This position requires frequent verbal and written communication skills
• This position requires basic math skills to calculate change (money), formulas, commissions, discounts, etc. 
• Must be able to lift up to 20 pounds. 

Disclaimer  

This job description is not a contract -- management reserves the right to change its contents at any time. Jefferson Security Bank complies with the guidelines set forth in the Americans with Disabilities Act of 1990 and as amended and does not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, marital status or family responsibility, genetic information, national origin, age, veteran status, mental or physical disability or any other characteristic protected by law. Jefferson Security Bank is an Equal Opportunity Employer.

Benefits

• Medical, Dental and Vision Insurance, STD, LTD, Life Insurance, 401(k), Vacation, Sick and Personal Time Off, and other optional insurance packages.