Perform various duties involved with
the credit analysis function on all credit relationships as assigned. Develop information for use by the
Relationship Managers, Loan Committee, and Board Loan Committee for the purpose
of making decisions on new and existing loans. These duties include, but are not limited to:
analyze credit information from all available sources, including: in-house,
other financial institutions, various agencies, etc.
financial statements and all related material, in part, through use of spreading
participate in customer calls with the Relationship Managers, including the
documenting of calls, as requested.
and preparation of credit presentations to document credit files and provide
the Relationship Managers and/or QNB Loan Committee and Board Loan Committee
with the information necessary to make informed credit decisions.
Monitor the maintenance and
updating of credit files.
Monitor progress log for all
scheduled annual reviews and insure completion of such reviews within the set
Review Biweekly Loan Report for
Assist in developing new procedures
and programming to enhance automation and efficiency.
Assume management of departmental
workflow in the absence of the Chief Credit Officer or Credit Dept. Manager.
Review and critique file memos and
credit presentations for other Credit Analysts
Assist in training of Credit
May have supervisory authority over
Credit Analyst I
Work directly with other
departments to facilitate work flow.
Work directly with customers as
Complete assigned compliance
training in a timely manner and demonstrate the ability to apply training to their
duties and responsibilities including their supervision of other employees.
Assumes additional responsibilities
TRAINING, EXPERIENCE AND EDUCATION:
Must have a
Bachelor’s degree in business administration specializing in finance,
accounting or economics.
Must have a
minimum of 5 years credit analysis experience.
knowledge of financial statements.
multi-task and work effectively with colleagues, managing time and resources to
ensure work is completed efficiently and within established time frame.
skills to represent QNB in a positive manner when dealing with internal and
proficient in various computer applications, including Microsoft Word and