CreditAnalyst

**Location:** 4910 Tiedeman Road, Brooklyn Ohio **Job Summary** The Credit Analyst is an individual contributor responsible for gathering, analyzing, and interpreting various types of credit information on existing and prospective customers to determine credit worthiness. While under the supervision of Underwriting Team Leaders, the Credit Analyst assists in structuring new requests for extensions of credit, as well as completing extensions, renewals and making recommendations for improving the bank's position with deteriorating credits. Credit Analysts are responsible for assessing the degree of risk within a given business and recommending client credit solutions to maintain the bank's asset quality while ensuring compliance with credit policy and guidelines. **Essential Functions** * Evaluate loan requests to properly identify purpose, risk elements, and collateral adequacy. * Assess the liquidity, quality of management, market position, and overall business climate to estimate future profitability of business. * Analyze credit data, financial statements (cash flow, balance sheet, income statements), and tax returns (both personal and business) to determine creditworthiness and the degree of risk involved in extending credit or lending. * Apply accounting principles to basic financial modeling. * Input, interpret, and assess risk rating model output and client data to develop a credit recommendation. * Develop the credit write-up to recommend loan structuring opportunities to present to Credit partners and/or Credit Officers; document and communicate findings providing relative guidance. * Identify deteriorating credits early and escalate with considerations for restructure. * Initiate annual reviews. * Review loan documentation to ensure loan documents match terms and conditions outlined in the credit approval. * Create and maintain credit files, and develop spreadsheets based on financial statements to facilitate foundational underwriting analysis. * Responsibl