Commercial Loan Analytics Officer

QNB Bank QUAKERTOWN, PA
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Responsible for performing a variety of complex data analysis and reporting duties to assist management in monitoring and modeling risk in the loan portfolio and with process efficiency enhancement.    Assist in credit analysis of individual credits.  This position will work closely with the Lending, Loan Services and Finance Departments.

GENERAL DUTIES AND RESPONSIBILITIES:

Data Analytics/Reporting

1.       Prepare monthly, quarterly, and annual reports to assist management in monitoring the loan portfolio.  Ensure internal reporting is consistent with externally reported loan data.  Prepare queries and ad hoc reports as requested. 

2.       Monitor portfolio concentrations and benchmark QNB’s portfolio with industry information and peers.

3.       Gather information and complete various reports for internal purposes, regulatory agencies, and vendors

4.       May act as a team leader on special project and assist in the training of other department members.

5.       Assist in the development of new concepts, methodologies, and techniques for financial and operational information analysis.

6.       Develops, updates, and maintains procedures related to the reporting and analytics functions.

7.       Prepares special analyses at the request of management and other internal customers.

Credit Analysis

8.       Under the direction of the Chief Credit Officer, perform various duties related to the credit analysis function.  Prepare 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:

 

a.       Collect and analyze credit information from all available sources, including in-house, other financial institutions, various agencies, etc.

 

b.      Analyze financial statements and all related material for individual credits, utilizing QNB's spreadsheet software package.

 

c.       Development 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.

 

9.       Completes assigned compliance training in a timely manner and demonstrates ability to apply training to their duties and responsibilities.

 

10.   Assume additional responsibilities as requested.

 

REQUIRED TRAINING, EXPERIENCE AND EDUCATION:

1.      Reporting and analytical experience.

2.      Proficient PC skills, including familiarity with a Windows-based environment.  Advanced Excel, proficient in Access, Word, PowerPoint

3.      Bachelor’s degree in data analytics, information technology, business administration, finance, accounting or economics, or equivalent banking experience.

4.      Experience in credit analysis preferred.

5.      Ability to multi-task and work effectively with colleagues, managing time and resources to ensure work is completed efficiently and within established time frame.

6.      Clear and concise verbal and written communication skills

 

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