Northern State Bank of Virginia has an exciting opportunity for a full time Commercial Loan Credit Analyst/Jr. Lender to join our team.
This position is responsible for conducting credit analysis including: gathering, analyzing and interpreting all types of credit information on existing and prospective customers and portfolios. Makes recommendations and decisions regarding the extension of credit. Prepares and presents credit presentations to the loan officers and loan committee for use in the making of prudent lending decisions for all new and renewed extension of loans.
Duties and Responsibilities:
Prepares loan requests, provides loan pricing recommendations, helps determine collateral value, researches and identifies the ability to perfect a security interest in the intended collateral, recommends repayment structure.
Spreads the borrower’s financial statements for use by the Bank when performing an annual credit review or new loan origination.
Analyzes and interprets the credit information for a prospective loan or an existing loan.
Performs analysis of borrower’s business and global cash flow and highlights the borrower’s key financial trends and ratios.
Perform all aspects of borrowing relationship including but not limited to processing extensions and renewals as directed by lending staff, loan closings and on-going customer communication and relationship building.
Qualifications and Experience:
Bachelor’s degree (BA) from a 4 year college or university preferred and/or 3-5 years related experience and/or training or equivalent combination of education and experience.
Northern State Bank of Virginia offers a competitive wage and benefits package. Qualified candidates should send resumes to: firstname.lastname@example.org
Northern State Bank of Virginia an EEO employer: All qualified applicants will receive consideration for employment without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, veteran status or any other characteristic protected by law.
Northern State Bank of Virginia is an Equal Opportunity Employer of women, minorities, protected veterans, and individuals with disabilities.
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