Consumer and Business Credit Analyst - Bank

Job Summary:

As a Hybrid Credit Analyst, you will be primarily responsible for analyzing and underwriting Consumer and Business Lending credit requests.  Consumer loan requests are typically defined as consumer-purpose and residential real estate loans from the Bank’s retail branches.  Business loan requests are typically defined as business-purpose loans with total credit exposure of $2.0MM or less. 

You will use sound and consistent underwriting and management of risk while balancing loan growth, credit quality, ensuring all Bank policies, procedures, action steps, and government compliance needs are met, to analyze information and reach credit decisions regarding loan approval, structure, and other items as they arise.  In addition, you will ensure that all customers, both internal and external, receive the best possible service.

As a Hybrid Credit Analyst, you will work closely and support both the Business Analysis and Consumer Underwriting teams, regularly contributing to each department’s functions while remaining flexible and adaptable to meet the evolving needs of the departments. 

Essential Duties and Responsibilities:

90% - Underwriting and Analysis of Business (70%) and Consumer (20%) Loans:

• Utilizing the loan origination software:
• Analyze financial and non-financial information that is required for prudent loan approval and risk management practices.
• Analyze Borrower, Guarantor, and Related Entity financial statements.
• Perform complete and accurate cash flow analysis, to include Debt Service Coverage and Debt to Income ratios.
• Analyze collateral securing the loan request, including appraisal ordering if needed.
• Develop appropriate questions from credit analysis and work with the Relationship Manager(s) to ensure complete underwriting and documentation packages.
• Create complete and accurate credit memos.
• Structure and price loans to match loan needs of the customer and ensure Bank’s profit and risk are desirable, in accordance with the Bank’s product offerings.
• Review appraisals related to loan approvals to ensure Loan-to-Value guidelines are met and appraisals meet Bank-required standards.
• Monitor all loan approvals for compliance purposes, keeping current with regulatory updates and changes.
• Resolve any issues that arise during the underwriting process.
• Adhere to all Bank policies and procedures as well as complying with all bank regulations.

10% - Special Projects/Administrative/Reporting:

• Act as a Credit Services contact for Relationship Managers with questions about the Bank’s loan products and Loan Policy.
• Assist with loan pipeline activity reporting on a monthly or quarterly basis.
• Work with the Relationship Manager(s) for loan renewals/maturities.
• Assist with employee education and training as related to Consumer and Business Underwriting and Analysis.  

Other Duties:

• Assist with special projects and other duties as assigned.

Knowledge:

Experience in financial services, preferably experience in underwriting consumer, real estate, and/or business loans is preferred. 

A demonstrated understanding of the principles of lending is required; experience and a level of proficiency with Microsoft Office is preferred, specifically Word, Office, Excel, PowerPoint, and Outlook.

Skills:

Excellent communication, interpersonal, organizational, math, and PC skills are required.  Preferably possess balance sheet and income statement analysis skills and understand cash flow analysis.  Strong rapport-building, decision-making, and problem-solving skills are essential.  Must possess a strong attention to detail. 

Abilities:

Able to communicate effectively with people at all levels. Must be an excellent listener and able to use sound, independent judgment while interacting with a diverse group of constituents with multiple perspectives.  Read and understand a variety of reports, spreadsheets, and forms.  Handle several simultaneous tasks and work under time limits.

Education and Experience:

Bachelor’s degree or equivalent work experience is required, preferably in finance, economics, or a related field.  Some AIB classes such as Principles of Banking, Consumer Lending, and Appraisals are desired.  A combination of experience and education will be considered.

Location & Travel:

The department’s primary work location will be at the Bank’s Stonehouse Operating Center located in Toano, VA.  Must be able to travel to the Downtown Richmond Financial Center as required.

Physical Demands:

Employee may experience the following physical demands for extended periods of time: view computer monitors, keyboarding, sitting, motion of fingers/hands/wrists, and standing/walking. 

Work Environment:    

Work is performed in an operational office environment.

Note:

This job description contains the essential functions, duties, and responsibilities of the position in accordance with the Americans with Disabilities Act (ADA).  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. C&F Bank reserves the right to make future revisions to this job description and the inherent responsibilities of the position based on the needs of the organization.  

Equal Employment Opportunity Statement -- C&F is committed to providing equal employment opportunity to all qualified persons and reaffirms in policy and practice that it shall not discriminate against applicants or employees because of race, color, religion, gender, age (over 40), disability, genetic information, veteran status (disabled veterans, recently separated veterans, active duty wartime or campaign badge veterans, Armed Forces service medal veterans, and Vietnam era veterans), national origin, or any other consideration protected by applicable federal, state, or local law. This applies to all areas of employment, including promotion, transfer, layoff, termination, compensation, benefits, recruitment advertising, recruitment, and selection for training.

promotion, transfer, layoff, termination, compensation, benefits, recruitment advertising, recruitment, and selection for training.