Credit Analyst

Where

Portland, ME

What you'll be doing

Credit analyst is responsible for complex loan/industries/customers. The applicant will work independently on strong understanding of loan risk factors. The applicant may train/mentor/coach junior analysts. Applicant research industry specific information from outside sources, which may include conversation with borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the internet. Participates in customer meetings and make direct inquiry for specific customer information based on prior research, experience, and knowledge. Integral part of loan origination process. The credit analyst is responsible for performing underwriting analysis of borrower character, credit worthiness, and financial condition, supports the lending function by providing analytical support. Thoroughly analyzes financial statements, management profiles, business and product cycles, cash flow ability, collateral, aging, etc. of future and existing customers to identify trends, measure performance, assess financial strength, and develop an assessment of credit risk.

What your background should be

Applicant should have 3-5 years related experience required. Applicant demonstrated knowledge of credit and financial analysis techniques. Applicant should have strong understanding of loan risk factors. Demonstrated ability to independently gather, consolidate, analyze, and summarize data to provide well considered recommendations for all levels of commercial credit relationships. Proven ability to identify and quantify subtle business risks and the ability to identify key drivers of risk and focus discussions accordingly. Applicant should have effective time management skills, excellent written and oral communication skills.

Required Schooling / Training

This job requires 4 years degree or equivalent experience.

Who is the client company

Concern with banking, insurance, brokerage and investment banking services.

If you are interested in this position, send your resume to apply@kochdavis.com