Credit Monitoring Analyst

• Perform covenant testing once borrower financial information is received, including reviewing applicable loan requirements, calculating covenant compliance, documenting results, and identifying potential exceptions or follow-up needs.

• Prepare annual relationship reviews once a full financial package has been received, including review of financial performance, borrower trends, guarantor or related-party information when applicable, and overall relationship condition.

• Provide support to loan officers and commercial officers through financial statement spreading, analysis of existing credit relationships, and preparation of monitoring-related documentation.

• Review financial information and supporting documents to identify trends, weaknesses, covenant-related concerns, or other potential risk factors that should be escalated to Credit Management or lending personnel.

• Collaborate with commercial officers, credit analysts, and credit management to ensure required information is complete, accurate, and sufficient to complete assigned monitoring or support requests.

• Understand and comply with bank policy, laws, regulations, and other applicable programs, including completion of required compliance training and adherence to internal procedures and controls.

• Report any known violation of compliance policy, laws, or regulations, and report any suspicious customer and/or account activity.

• Other duties as assigned.

• Bachelor’s degree in business management, finance, economics or accounting.

• One (1) to four (4) years of banking experience required.

• Prior experience with commercial financial statement spreading, covenant tracking/testing, annual reviews, or commercial credit monitoring preferred.

• Experience with Sageworks or similar financial spreading/credit analysis software preferred.

Knowledge, Skills, and Abilities:

• Functional to proficient knowledge of Microsoft Office applications, including Excel, Word, and PowerPoint.

• Ability to analyze financial data and translate results into meaningful information for credit monitoring and relationship review purposes.

• Working knowledge of accounting practices, financial concepts, financial statement analysis, and ratio analysis.

• Strong verbal and written communication skills.

• Strong attention to detail and ability to work under pressure of deadlines.

• High character, integrity, dependability, professionalism, and work ethic.

• Knowledge of Zoom, Webex, or similar virtual meeting platforms.

• All candidates will be required to complete a pre-employment background, credit, and drug screening.

Physical Requirements:

• Must be able to exert up to 10 pounds of force occasionally and/or a negligible amount of force frequently.

• Must be able to occasionally lift and/or move up to 25 pounds.

• Specific vision abilities required by this job include close vision and the ability to adjust focus.

• Sitting for long periods of time.

The working conditions are generally comfortable with minimal exposure to noise, heat, dust, and other related items. All employees are required to maintain a neat and safe work area.