Credit Analyst
Company: BOGOTA SAVINGS BANK
Location: Teaneck
Posted on: May 14, 2022
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Job Description:
Job Title: Credit Analyst Department: Lending FLSA Status:
Non-Exempt Summary Under the limited supervision of the Chief
Lending Officer, the incumbent is responsible for a wide range of
credit related support functions. Responsibilities include
gathering and analyzing credit information, leases and real estate
appraisals on current and potential borrowers; determines the
advisability of granting credit for diversified types of real
estate loans; Prepares loan requests for Internal Loan Committee;
Promotes business for the Bank by maintaining good customer
relations and referring customers to appropriate staff for new
services. The Credit Analyst acts as a secondary point of contact
for commercial real estate banking clients. A minimum of two years
of banking experience and formal credit training is needed. Strong
written and verbal communication skills required. Incumbent must be
detailed oriented, organized and have a thorough knowledge of
Microsoft Word and Excel. Essential Duties and Responsibilities
include the following. Other duties may be assigned. - Reviews
Commercial Real Estate Loan documentation at inception and annual
review - Prepares and makes ongoing assessment relative to credit
risk ratings for all commercial real estate loans. - Prepares
Credit Analysis Packages - Enter loans in department application
systems and prepare recommendation for term sheet. - Responsible
for interviewing prospective borrower and loan officer for proper
fact finding and preparation of loan offering. - Responsible for
analyzing all credit reports, property search, appraisal, judgment
search, environmental report, leases and other investigative
reports as per department procedures and loan policy. - Responsible
for daily tracking and following up for the timely receipt of
reports, appraisals and applicant documentation to ensure the
expedient processing of all loans. - Prepare any necessary
correspondence to customers regarding needed financial information
for new loan requests and annual review of each file. - Prepares
annual reviews on commercial real estate lending relationships -
Handle internal and external customer inquiries (phone and written
correspondence). - Must be knowledgeable of the Bank's computer
system and departmental software applications. - Must have
familiarity with all policies, products, documentation requirements
and procedures relating to commercial real estate lending. - Must
be familiar with and adhere to all lending compliance regulations.
Must also know the Bank's policy on Bank Secrecy Act and CIP
Procedures.. - Perform other duties as required for the efficient
functioning of the department. Supervisory Responsibilities This
job has no supervisory responsibilities. Competencies To perform
the job successfully, an individual should demonstrate the
following competencies: Analytical - Synthesizes complex or diverse
information; uses intuition and experience to complement data;
designs work flows and procedures. Continuous Learning - Seeks
feedback to improve performance; pursues training and development
opportunities; strives to continuously build knowledge and skills;
shares expertise with others. Job Knowledge - Competent in required
job skills and knowledge; exhibits ability to learn and apply new
skills; keeps abreast of current developments; displays
understanding of how job relates to others; uses resources
effectively. Use of Technology - Demonstrates required skills;
adapts to new technologies; uses technology to increase
productivity; keeps technical skills up to date. Design - Generates
creative solutions; demonstrates attention to detail. Problem
Solving - Identifies and resolves problems in a timely manner;
gathers and analyzes information skillfully; develops alternative
solutions; works well in group problem solving situations; uses
reason even when dealing with emotional topics. Project Management
- Completes projects on time and budget. Customer Service -
Responds to requests for service and assistance; meets commitments.
Communications - Expresses ideas and thoughts verbally; expresses
ideas and thoughts in written form; exhibits good listening and
comprehension; keeps others adequately informed; selects and uses
appropriate communication methods. Cooperation - Establishes and
maintains effective relations; exhibits tact and consideration;
offers assistance and support to co-workers; works cooperatively in
group situations; works actively to resolve conflicts. Oral
Communication - Speaks clearly and persuasively in positive or
negative situations; listens and gets clarification; responds well
to questions; participates in meetings. Teamwork - Balances team
and individual responsibilities; exhibits objectivity and openness
to others' views; gives and welcomes feedback; contributes to
building a positive team spirit; puts success of team above own
interests; supports everyone's efforts to succeed. Written
Communication - Writes clearly and informatively; edits work for
spelling and grammar; varies writing style to meet needs; presents
numerical data effectively; able to read and interpret written
information. Team Leadership - Supports group problem solving;
ensures progress toward goals; acknowledges team accomplishments.
Leadership - Exhibits confidence in self and others; accepts
feedback from others. Managing People - Improves processes,
products and services. Quality Management - Looks for ways to
improve and promote quality; demonstrates accuracy and
thoroughness. Visionary Leadership - Displays passion and optimism;
inspires respect and trust; mobilizes others to fulfill the vision.
Business Acumen - Understands business implications of decisions;
demonstrates knowledge of market and competition; aligns work with
strategic goals. Conflict Resolution - Encourages open
communications; confronts difficult situations; maintains
objectivity; keeps emotions under control; uses negotiation skills
to resolve conflicts. Impact & Influence - Achieves win-win
outcomes. Diversity - Demonstrates knowledge of EEO policy; shows
respect and sensitivity for cultural differences; educates others
on the value of diversity; promotes a harassment-free environment;
builds a diverse workforce. Ethics - Treats people with respect;
keeps commitments; inspires the trust of others; works with
integrity and principles; upholds organizational values.
Organizational Support - Follows policies and procedures; completes
administrative tasks correctly and on time; supports organization's
goals and values; benefits organization through outside activities;
supports affirmative action and respects diversity. Strategic
Thinking - Understands organization's strengths & weaknesses.
Adaptability - Adapts to changes in the work environment; manages
competing demands; changes approach or method to best fit the
situation; able to deal with frequent change, delays, or unexpected
events. Consultative Selling - Builds rapport and establishes
trust; asks questions to discover client business needs; applies
product and market knowledge effectively; manages and documents
sales process. Achievement Focus - Demonstrates persistence and
overcomes obstacles; measures self against standard of excellence;
recognizes and acts on opportunities. Personal Appearance - Dresses
appropriately for position; keeps self well groomed.
Attendance/Punctuality - Is consistently at work and on time;
ensures work responsibilities are covered when absent; arrives at
meetings and appointments on time. Dependability - Follows
instructions, responds to management direction; takes
responsibility for own actions; keeps commitments; commits to long
hours of work when necessary to reach goals.; completes tasks on
time or notifies appropriate person with an alternate plan.
Initiative - Volunteers readily; undertakes self-development
activities; seeks increased responsibilities; takes independent
actions and calculated risks; looks for and takes advantage of
opportunities; asks for and offers help when needed. Innovation -
Displays original thinking and creativity; meets challenges with
resourcefulness; generates suggestions for improving work; develops
innovative approaches and ideas; presents ideas and information in
a manner that gets others' attention. Judgement - Displays
willingness to make decisions; exhibits sound and accurate
judgment; supports and explains reasoning for decisions; includes
appropriate people in decision-making process; makes timely
decisions. Planning/Organizing - Uses time efficiently. Quality -
Demonstrates accuracy and thoroughness; looks for ways to improve
and promote quality; monitors own work to ensure quality. Quantity
- Meets productivity standards; completes work in timely manner;
strives to increase productivity; works quickly. Safety and
Security - Observes safety and security procedures; determines
appropriate action beyond guidelines; reports potentially unsafe
conditions ; uses equipment and materials properly. Qualifications
To perform this job successfully, an individual must be able to
perform each essential duty satisfactorily. The requirements listed
below are representative of the knowledge, skill, and/or ability
required. Reasonable accommodations may be made to enable
individuals with disabilities to perform the essential functions.
Education and/or Experience Associate's degree or equivalent from
two-year college or technical school; and two or more years of job
related experience and/or training; or equivalent combination of
education and experience. Language Skills Ability to read and
interpret documents such as safety rules, operating and maintenance
instructions, and procedure manuals. Ability to write routine
reports and correspondence. Ability to speak effectively before
groups of customers or employees of organization. Mathematical
Skills Ability to calculate figures and amounts such as discounts,
interest, commissions, proportions, percentages, area,
circumference, and volume. Ability to apply concepts of basic
algebra and geometry. Reasoning Ability Ability to apply common
sense understanding to carry out instructions furnished in written,
oral, or diagram form. Ability to deal with problems involving
several concrete variables in standardized situations. Computer
Skills To perform this job successfully, an individual should have
knowledge of Excel Spreadsheet software. Physical Demands The
physical demands described here are representative of those that
must be met by an employee to successfully perform the essential
functions of this job. Reasonable accommodations may be made to
enable individuals with disabilities to perform the essential
functions. While performing the duties of this Job, the employee is
regularly required to use hands to handle and talk or hear. The
employee is frequently required to sit. The employee is
occasionally required to stand and reach with hands and arms. The
employee must occasionally lift and/or move up to 25 pounds.
Specific vision abilities required by this job include close
vision, color vision, depth perception and ability to adjust focus.
Work Environment The work environment characteristics described
here are representative of those an employee encounters while
performing the essential functions of this job. Reasonable
accommodations may be made to enable individuals with disabilities
to perform the essential functions. The noise level in the work
environment is usually quiet. PI174561757
Keywords: BOGOTA SAVINGS BANK, Paterson , Credit Analyst, Professions , Teaneck, New Jersey
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