Credit Analyst - Community Bank of Parkersburg

Job Summary: The Credit Analyst is a member of the Credit Department and Loan Department and reports to the Credit Officer/Compliance Officer. A primary responsibility of this position is to review new loans for loan policy exceptions and compliance risk, as well as conduct annual credit analysis according to Loan Policy and perform credit analysis for new loans. The incumbent will assist the Credit Officer with day-to-day operations of credit review, compliance review and documentation. As part of the overall banking staff, the position will help with cross-selling and referrals to other departments of the bank. This position will comply with the Bank Secrecy Act, OFAC and USA PATRIOT Act including Customer Identification Program, customer due diligence, identifying high risk accounts, reporting suspicious activities to the BSA Department.
Conducts reviews for new loans to make sure they adhere to the banks loan policy; Document findings and/or exceptions and follow-up on corrections sent back to loan staff;
Reviews and inputs data into the Home Mortgage Disclosure Act (HMDA) software for non-originated applications that is subject to HMDA and perform a second review of the file for Fair Lending compliance;
Prepares credit analysis statements for new loans where total relationship loan exposure exceeds the limits set within loan policy; Commercial relationships totaling less than the loan policy threshold can be underwritten by the Loan Officer and reviewed by the Credit Analyst.
Prepare annual credit analysis memorandums for loan relationships that meet the loan policy threshold;
Provide an assessment of loan condition, quality and grade, independent of the lending function; updating maintenance core system if any changes are made in the grade assigned to Borrower;
Update financial technical exception (missing documents) ticklers within the system;
Oversee the requests for financial information/rent-roll/taxes from borrowers as required within the loan policy;
Downloads financials and other information for participation loans from the lead banks secure portals and uploads the documents to the imaging system; Uploads and indexes financials into document imaging system;
Maintains Exception Report and the FDIC-Part 365 Report and prepares these reports each quarter for the Board of Directors;
Prepares the Loan Concentration report for the board on a quarterly basis;
Conducts searches for Uniform Commercial Code (UCC), Environmental Database Report (EDR), Credit Reports and Business Good Standings and Articles of Incorporation, as needed;
Processes Weekly Loan Rates;
Assists the Credit Officer and Compliance Officer with audits/exams;
Assists the Collections Specialist as needed with calls and other administrative duties;
Provide technical advice or assistance to loan officers as needed;
Report to the Director of Lending of any findings that may have an adverse effect on loan collateral or a borrowers ability to repay the loan;
Serve as back up to the Credit Officer in preparing the Allowance for Credit Loss quarterly report;
Maintain a good working knowledge of the Banks Lending Policies and Procedures and identify deviations from Loan Policy. If deviations arise, help determine what changes/corrections are to be made to the Loan Policy. Once changes are discussed with the Director of Lending, the Credit Analyst will submit changes to the Board of Directors for approval. Once the changes are approved by the Board of Directors, an updated Loan... For full info follow application link.
Community Bank supports a diverse workforce and is an Equal Opportunity Employer who does not discriminate against individuals on a basis of race, gender, color, religion, national origin, age, sexual orientation, disability, veteran status or other classification protected by law.