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Credit Analyst II

Company: Citizens & Northern Bank
Location: Wellsboro
Posted on: January 28, 2023

Job Description:

Credit Analyst II

US-PA-

Job ID: 2021-1864
Type: Full-Time
# of Openings: 1
Category: Operations
To be Determined

Overview

At C&N we have a mission to take care of our customers to be the only bank they need. The Credit Analyst II is responsible for c onducting credit investigations and analyzing credit information of larger and more complex loan requests. This position will also prepare credit approval documents for presentation to loan officers and/or committees.

Responsibilities

1. Spreads, reviews, and analyzes financial statements and related material for larger and more complex existing and prospective borrowers.

2. Develops the credit approval document to assist in the lending decision on new, renewal, and extension loans.

3. Investigates all available sources of credit and financial information, including report services, credit bureaus, industry trends, and other companies.

4. Prepares annual reviews on borrowing relationships in accordance with C&N Bank's loan policy.

5. Assists in the assignment of risk ratings.

6. Performs role as assigned in the approval process within credit policy and using prudent credit underwriting skills

7. Calls on existing and potential borrowers with lenders to solicit new loan and deposit relationships or to monitor the borrower's ongoing credit worthiness.

8. Training and Education - Complete all assigned training as established in a timely manner, including compliance, certification & licensure, and other developmental requirements.

9. Customer Service - Exemplifies C&N Customer Service Standards.

PM23

Qualifications

Education: Bachelor's degree in Accounting, Finance, or a directly related field
and
Experience: 2-4 years of previous related experience and/or training.

OR: Equivalent combination of education and experience.

Skills:
Detail Oriented
Critical Thinking
Strong Research Skills
Strong Communication; public speaking experience helpful
Knowledgeable of Accounting Standards
Experience working with tax returns

PI202036719

Keywords: Citizens & Northern Bank, Scranton , Credit Analyst II, Professions , Wellsboro, Pennsylvania

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