SUMMARY

Under general supervision of the Manager of Credit Department/Analysts, this position is responsible for providing an effective support system for the lending departments and bank management. Responsibilities include conducting credit investigations and analyzing credit/financial information pertaining to loans. Assists business bankers with the preparation of loan requests presentations, monitors existing credit relationships, and prepares summaries and presents facts concerning credit-worthiness. This position will be responsible for conducting complex credit/financial investigations and analysis, and will assist other credit analysts with difficult credit/financial analysis by reviewing financial statements, borrowing base certificates and other financial information.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Credit Analysis (70%)
· Assists commercial lending staff with the preparation of loan request presentations including financial statement analysis, collateral analysis, risk rating recommendations, trend analysis and other supporting information as required for proper approval.
· Conducts annual reviews, including financial statement analysis, collateral analysis, risk rating recommendations, trend analysis, and other supporting information as required.
· Collects, spreads, and analyzes financial and credit information pertaining to prospective and existing customers and provide objective risk rating.
· Prepares comprehensive written loan presentations for Executive and Senior Loan Committees, including risk rating recommendations. Attends meeting as required.
· Monitors collateral control activities by reviewing accounts receivable and accounts payable aging reports, and borrowing base certificates to ensure maximum advance limits are maintained.
· Assists credit analysts with difficult credit/financial analysis by reviewing financial statements, borrowing base certificates and other financial information.
· Assists business bankers with the monitoring and review of financial statements, borrowing based certificates and other financial information.
· Works with business bankers to review and determine decision on business overdrafts on daily basis and updates and maintains the tracking system for financial reporting.
· Understands and adheres to bank compliance regulations and standard operating procedures pertaining to credit and lending functions.
· Identifies and recommends ways to improve procedures to safeguard the bank, particularly in the areas of bank compliance regulations, standard operating procedures and Anchor Bancorp Credit policy.
· Assists business bankers with problem loan negotiations on a quarterly basis or as needed.

Customer Service (10%)

· Serves as a secondary contact with the owners, controllers, and other key managers of many existing businesses.
· Ensures that a high level of customer service is being delivered in a manner that exceeds customers’ expectations.
· Participates in joint calls with the respective loan officers on existing business relationships and prospective new business relationship.

Loan Administration (20%)

· Reviews all loan documentation for accuracy and completeness to ensure loan/credit compliance.
· Assists in processing and requesting financial information on customers on an annual basis.
· Engages and reviews real estate appraisals, real estate environmental reports and collateral valuations and collateral audits for credits when required by policy or approval.
· Assists credit support staff and business bankers with administrative support duties as needed.
· Prepares various reports for Board of Directors on a quarterly basis.
·Performs other duties as assigned by Manager of Credit Department/Analysts.

QUALIFICATIONS

Education and Experience

· High school education plus college degree in finance, accounting or business related field is required.
· At least two or more of years financial or credit analyst experience is required.
· General knowledge of the Bank’s services and a good understanding of commercial lending and regulations are required.

Language Skills

· Must have excellent communication and presentation skills.
· Must be able to read analyze, and interpret industry journals and reports.
· Able to respond to common inquiries or complaints from client or vendors, regulatory agencies or members of the business community.
· Able to effectively present information to groups or individuals.

Mathematical Skills
· Ability to calculate amounts such as discounts, interest, commission and percentages.
· A thorough understanding of general ledger and accounting principals.
· Able to accurately calculate various financial ratios, common size financial statements, and perform trend analysis.

Reasoning Ability
· Requires the ability to review and analyze financial information, collect and identify meaningful information, and summaries and present information to others and draw conclusion.

Other Skills/Abilities/Specifications
· Strong in-depth problem solving and organizational skills.
· Familiar with Moody’s spread and Jack Henry software applications is preferred.