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Job Profile
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Liberty Savings Bank/Ohio
Credit Analyst III
Job Location: Downtown Dayton, OH
Job Type: Full-time, Exempt, Grade Level 9
Department:
Commercial Lending
Facility:
Liberty Tower
Job Summary:
Provides Loan Officers, Department Manager, and Loan Committee with a complete analysis, including financial position, cash flow coverage and collateral coverage, needed to make an informed decision about a commercial loan request.
Essential Functions:
* Analyzes cash flow, financial condition, collateral, management ability, and economic conditions on loan requests.
* Assigns loan grades to the most complex credit requests independently based on analysis performed and provides guidance to other analysts.
* Discusses loan structure with Loan Officer and borrower to minimize bank’s risk.
* Presents loan requests to Loan Officer, Department Manager, or Loan Committee for approval.
* Provides training and guidance to other department members.
* Upholds customer satisfaction by supporting external/internal customers and answering questions/requests in a timely manner.
* Maintains customer confidence and protects operations by following the Privacy Policy.
* Complies with bank procedures and follows regulatory, operational and security guidelines.
* Maintains customer confidence and protects operations by answering questions/requests in a timely manner and keeping information confidential.
* Complies with bank procedures and follows regulatory/operational/security guidelines
* Assists with various projects as needed.
Secondary Functions:
* Attends various committee meetings and planning sessions as needed.
* Interviews loan applicants for new loans to obtain financial data needed for analysis.
* Stays current with industry knowledge and regulations by completing training sessions as scheduled.
* Contributes to the team effort by working on special projects/reports, performing other job-related duties and accomplishing related results.
Job Standards:
* Submits all loan requests for decision within 3 to 5 business days of receiving all requested information.
* Makes sound decisions based upon analysis and judgment as evidenced by support of credit grades in Loan Committee meetings.
* Demonstrates excellent customer service skills with internal and external customers as evidenced by management observation.
* Maintains regular attendance and punctuality as evidenced by attendance records.
Physical Requirements
* Talking—Ability to express or exchange ideas by means of the spoken word.
* Hearing—Ability to receive detailed information through oral communication.
* Seeing—Ability to view a computer screen for an extended period of time and/or identify individuals visually.
* Sitting—Ability to sit for extended period of time.
* Finger dexterity—Ability to work with fingers for handling documents and using a keyboard/10-Key.
* Reaching—Ability to extend hand/arms in any direction to move/handle objects.
Knowledge, Skills and Abilities:
* Bachelor’s degree in business related field or equivalent business experience required.
* Minimum of 3 years business related experience with 2 years of experience in commercial credit analysis required.
* Excellent verbal/written communication, strong organizational skills, superior customer service, and the ability to work well with others required.
* Ability to use and/or learn industry related software specific to Liberty and the department and to utilize standard business related software is required, Microsoft Office preferred.
How To Apply:
Please stop by any location to complete an application or apply online at:
Liberty Savings Bank/Ohio
We are proud to be an EEO/AA employer M/F/D/V.
We maintain a drug-free workplace and perform pre-employment substance abuse testing.
Credit Report and Fingerprinting required.
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