Accounting Assistant & Credit Analyst

REQUIREMENTS/QUALIFICATIONS

Education and Experience: Bachelor’s degree in Accounting or Finance and minimal 3-5 years of experience in public accounting with emphasis in banking or credit analysist preferred. Must have a general knowledge and experience in the operations of the Bank and its functions.

To perform this job successfully, an individual must be able to perform each duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. This is an in-office role.

Accounting Assistant Duties:

·         Assist with daily accounting operations including journal entries, reconciliations and financial reporting

·         Support month-end and year-end closing processes

·         Maintain accurate records of financial transactions in accordance with banking regulations

·         Assist with accounts payable and general ledger maintenance

·         Prepare internal reports for audits and regulatory reviews

·         Collaborate with internal departments to ensure financial accuracy and compliance

Credit Analyst Duties:

·         Support the lender by providing operational support/assistance specific to managing the production, flow of pertinent and required due diligence related to assessing and presenting high quality and profitable credit opportunities to the bank in an efficient and timely manner.

·         Evaluate and determine the credit risk of commercial credits of high dollar and complexity through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service.

·         Partner with lender to prepare credit memo and risk assessment presentation for our Executive Loan Committee and Board of Director meetings.

·         Assist bank management in preparing and monitoring various department reports to track credit trend and credit quality.

·         Monitor existing loan portfolios for changes in risk profile or payment behavior

·         Work closing with loan officers and underwriting teams to support credit decisions

·         Participate in bank functions / activities, some of which may be after normal banking hours

·         Other duties and responsibilities as may be assigned

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