Senior Credit Analyst

Senior Credit Analyst
Reports to: Chief Credit Officer
Location: Jim Thorpe, PA

Summary/Objective
Provides analytical support to Loan Officers by completing financial analysis and other documentation required for underwriting and analysis. Responsible for financial review within the existing portfolio as well as the completion of credit maintenance and clerical functions. Provides mentorship and oversight to Credit Analysts.

Essential Functions

• Provides all pertinent lending decision making information including financial statement analysis, credit reports, account history, collateral valuation, and industry specific information and comparisons as required by the credit request.
• Completes and prepares loan presentations to Loan Committee and Board of Directors.
• Assists all Loan Officers through the underwriting process, and works closely with the Small Business Lender relative to the development of the Small Business Loan Portfolio.
• Prepares customer documents/correspondence including letters of intent and line renewal letters/documents.
• Performs credit maintenance functions such as assisting in clearing exceptions, collecting and tracking financial statements and maintaining credit files.
• Performs prospective analysis (cash flow, etc.) on existing loans as necessary for annual reviews and by request.
• Performs annual renewals of lines of credit and conducts reviews of commercial relationships based on amounts designated in credit policy, less those customers within the portfolio who fall within the top twenty largest per volume exposure.
• Performs cash flow analysis for residential underwriters, specific to customers that are self-employed.
• Compiles the delinquency report and OREO account reconciliation monthly.
• Prepares reports to be presented to the Officers’ Loan Committee and Board of Directors (i.e. new loans; loans in progress; adverse actions, etc.)
• Tracking of lending policy exceptions and participated loan volume on a quarterly basis.
• Completion of reports which assist in the year-end audit, specific to interest income and non-accrual loans (for tax purposes).

Required Education And Experience

*Bachelor’s in finance, accounting, or a related field (or equivalent work experience) required.

• Minimum of 3-5 years of credit analyst experience required.
• Knowledge of Lending regulations required.
• Ability to read and interpret financial statements and perform cash flow analysis required.

About MCT

Mauch Chunk Trust Company was incorporated August 25, 1902 as the successor institution to the Second National Bank of Mauch Chunk, established in 1864. We remain a locally owned and managed independent community bank. While many banks of our type have merged or simply disappeared, our ability to change with the times has allowed us to grow and prosper for 120 years.

You’ll still find us today in the heart of Jim Thorpe with our main office located at 1111 North Street. Our seven branches serve Jim Thorpe, Albrightsville, Nesquehoning, Lehighton, Hometown and West Penn.

The secret to our success is simple. We’re not merely bankers, we’re your neighbors. We live in the same communities that we serve, we share your interests. We’re equally affected by the decisions we make. What’s good for you is good for us, too.

In fact, our reputation was built through more than 117 years of community involvement. You’re as likely to find us with rolled-up sleeves digging into a community project as you are sitting behind our desks.

Serving your financial needs is our business. Serving your communities is our privilege.

What You’ll Love About MCT
Rest and Relaxation . Enjoy a robust PTO policy and 13 paid holidays!

Work/Life Balance . A possibility for flexibility in one’s work and a heavy investment within your development as an employee.

Health and Wellness Benefits . MCT cares about the wellbeing of our employees. Many options for best in class medical and dental plans to fit your needs; a thorough wellness plan driven by the employees and incentives for healthy living!

Invest in your Future . MCT offers amazing retirement options! Participate in our 401K program that boasts a 100% match up to 3% of your elected contribution (100% Vested). And, MCT automatically contributes an additional 1% into your account.

Much more ! Growth opportunities, tuition reimbursement, voluntary critical illness coverage, company paid life insurance, mobile phone discounts, and with so many benefits to working for MCT, we could not name them all!

EOE M/F/D/V

Mauch Chunk Trust Company provided the following inclusive hiring information:

We are an equal opportunity employer and considers all qualified applicants equally without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, or disability status.

• Veteran-led organization
• Women-led organization
• Disability accommodations
• Inclusive of minority and disadvantaged groups
• LGBTQ+ friendly workplace
• Age-inclusive
• Diversity and inclusion training or programs
• Paid time off

Job Type: Full-time