and analyze commercial loan requests.
Provide an unbiased presentation to enable management to make informed
credit decisions. Gradually transition
to a Business Banker with responsibility for monitoring, managing, and
developing commercial relationships (see Training Development Framework)
DUTIES AND RESPONSIBILITIES:
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
participate in customer calls with the Relationship Managers, including the
documenting of calls, when appropriate.
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 progress log for all
scheduled annual reviews and insure completion of such reviews within the set
Assist in developing new procedures
and programming to enhance automation and efficiency.
Work directly with other departments
to facilitate workflow.
through the Training Development Framework (below). Master required
essential skills in a reasonable timeframe as determined by the Credit
to policy and compliance requirements in all credit analysis, portfolio
management and lending responsibilities.
completion of Phase I, begin to shadow lending staff in meeting with current
and prospective clients to assess the specific customer needs and aid in the
development/delivery of solutions designed to meet those needs.
customer calls, status of accounts, and action plans.
the bank in a professional manner and participate in appropriate civic and community
functions to enhance the bank’s image.
Examples include accountant/attorney groups, Chambers of Commerce,
Kiwanis, Lions, RMA and PBA.
assigned compliance training in a timely manner and demonstrates ability to
apply training to their duties and responsibilities.
11. Assumes additional responsibilities as
EXPERIENCE AND EDUCATION:
communication, sales and public relation skills. Including ability to make
calls, ask questions, and develop relationships
General business writing skills
proficient in various computer applications, including Microsoft Word and
Self-motivated with strong
organizational skills and the ability to work independently.
Ability to multi-task and work effectively
with colleagues, managing time and resources to ensure work is completed
efficiently and within established time frame.
years of experience working with credit analysis or knowledge of financial
or bachelor’s degree in Business Administration, Accounting, Finance or
The trainee will
spend an extensive period of time developing a thorough understanding of the
credit analysis process. Development of credit analysis skills is essential to the
Commercial Lender track. The timeline will be flexed as necessary to ascertain
proficiency in required areas.
Phase 1 (Min: 12
Formal on-the-job credit analyst training
Software, including but not limited to
JHA, Credit Track, Synergy, Moody’s & T-Value
Order and/or review credit reports,
searches, environmental reports, appraisals
RDC / ACH approvals
Business and personal cash flow
Complete Introduction to Commercial Lending, Lending
Academy I or equivalent
Complete RMA Writing the Credit Analysis and/or
other identified courses (Lending to Contractors, RE Lending)
Weekly one-on-one with credit manager, including
constructive feedback on writeups
Progress to more complicated relationship
Begin community involvement, including volunteering
at community events, join a service organization, etc. (typically month 12 or
Phase II (Min: 6
Shadow lender(s); analyst permitted to directly
Course in Advanced Commercial Lending or equivalent
Focus on different industries, including
contractors, municipalities etc.
Exposure to Special Assets and/or Classified Asset
Exposure to Retail Loan process.
Phase III (Min: 6 months)
Demonstrated understanding of policy adherence and
mitigants to policy exceptions
Demonstrated understanding of covenants, loan
structuring & participations
Demonstrated understanding of regulations
Shadow Loan Documentation and possible external
Expand networking opportunities.
III, employee begins transition out of the Credit Department and reports
directly to the lending function (generally Business Banking). Transition is
dependent on mastery of credit analysis, staffing levels and growth of the
Assume portfolio administration
Develop/manage own portfolio, as assigned
New job description to be provided for assigned