We're NOW HIRING at our ERIEBANK Ohio Offices for an experienced Credit Analyst in our Commercial Credit Administration team!
Credit Analysts are detail-oriented and essential to the commercial lending process, assisting business development officers and members of management to make timely lending decisions that are beneficial to the Bank. In this position, a credit analyst reviews and analyzes: business financial statements, personal financials, credit bureaus, debt schedules, collateral values, and industry trends to prepare concise and accurate reports for approval by management. Credit Analysts are also essential in the review of the existing loan portfolio through annual reviews, covenant checks, and monitoring of asset based loans.
Senior analysts support in the training of junior analysts, as well as assist the Department Head prepare reports for Senior Management.
Below is a list of essential job functions. Additional responsibilities may be assigned in the position.
FOCUSES ON ACCURACY AND ATTENTION TO DETAIL
Attention to detail is vital in this position as accuracy of ratios, percentages, and general math determine proper lending decisions. Works with business development officers and portfolio admins to obtain all information necessary to prepare an accurate analysis of the loan request.
PROMOTES POSITIVE ATTITUDES AND COLLABORATION
Displays a positive attitude in managing change, working and communicating with others. Works collaboratively with business development officers, portfolio admins, and other team members in the loan analysis process. Provides timely and essential communication to all team members involved.
FOSTER OUR CULTURE
Demonstrate excellent communication skills through effective conversations and collaboration. Be the source of exceptional client and employee experiences. Seek opportunities to support volunteerism in the local community’s awareness events, increase the Bank’s outreach, and foster new business.
Explore efficiencies in technologies to improve processes within the Bank. Embrace advancements in banking technology and internal applications.
SEEK PROFESSIONAL DEVELOPMENT OPPORTUNITIES
Takes advantage of training opportunities to advance knowledge of rules and regulations that impact the commercial lending process. Looks for opportunities to improve processes and procedures. Advancement in this career may include demonstration of superior credit analysis abilities based on established experience, advancement in the complexity of loan requests analyzed, and training new employees. May require some travel. Remote work opportunities are available.
QUALIFICATIONS, EDUCATION, & EXPERIENCE
2 years of banking, credit analysis, financial services, or credit administration experience preferred.
To perform this job successfully, an individual must be able to perform each essential job requirement satisfactorily and a skills inventory is listed below. A high school diploma or general education degree (GED) is required, with related experience and secondary education preferred. Successful completion of required background checks is required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Medical, Dental, Vision & Life Insurance
- 401K with company match and profit-sharing program
- Paid Time Off & Recognized Holidays
- Leave policies
- Voluntary Benefit Options (Life, Accident, Critical Illness, & Pet)
- Employee Assistance Program
- Employee Health & Wellness Program
- Special Loan and Deposit Rates
- Gradifi Student Loan Paydown Plan
- Rewards & Recognition Programs and much more!
Eligibility requirements apply.
By submitting an application for considering you are agreeing to the following disclosure statement: I certify that all information I have provided in order to apply for and secure work with this employer is true, complete, and correct. I expressly authorize, without reservation, the employer, it’s representatives, employees or agents to contact and obtain information from all references (personal and professional), employers, public agencies, licensing authorities and education institutions and to otherwise verify the accuracy of all information provided by me in this application, resume, or job interview. I hereby waive any and all rights and claims I may have regarding the employer, its agents, employees, or representatives, for seeking, gathering, and using truthful and non-defamatory information in a lawful manner, in the employment process and all other persons, corporations, or organizations for furnishing such information about me. I understand that this employer does not unlawfully discriminate in employment and no question on this application is used for the purpose of limiting or eliminating any applicant from consideration for employment on any basis prohibited by applicable local, state, or federal law.
If I am hired, I understand that I am free to resign at any time, with or without cause and with or without prior notice, and the employer reserves the same right to terminate my employment at any time, with or without cause and with or without prior notice, except as may be required by law. This application does not constitute an agreement or contract for employment for any specified period or definite duration.
I also understand that if I am hired, I will be required to provide proof of identity and legal authorization to work in the United States and that federal immigration laws require me to complete an I-9 Form in this regard.
This Company does not tolerate unlawful discrimination in its employment practices. No question on this application is used for the purpose of limiting or excluding an applicant from consideration for employment on the basis of his or her sex, race, color, religion, national origin, genetic information, citizenship, age, disability, or any other protected status under applicable federal, state, or local law. This Company takes all complaints of harassment seriously and all complaints will be investigated promptly and thoroughly.
I understand that any information provided by me that is found to be false, incomplete, or misrepresented in any respect will be sufficient cause to 1) eliminate me from further consideration for employment or 2) may result in my immediate discharge from the employer’s service, whenever it is discovered.