Credit Analyst I - Riverview Community Bank

**Description** **SUMMARY** **Support the Commercial Lending Department by analyzing the financial positions of individuals and businesses applying for credit with Riverview Bank. Assist in the preparation of credit memorandums and other loan review documents.** The salary for this role will be between $24 and $35 an hour. The specific salary offered will depend on several factors including but not limited to applicant's skills and prior relevant experience. Hired candidate may be eligible for healthcare benefits, 401K plan, short term & long-term disability coverage, life insurance, vacation & sick time, educational assistance, and several holidays. Certain roles are eligible for additional rewards. **ESSENTIAL DUTIES:** **Works with Portfolio Managers and Relationship Managers to ensure complete financial information is received from clients and prospects.** **Work within Abrigo managing a dashboard of workflows to prioritize requests.** **Complete spread workflows by inputting financial data and producing financial spreads with narrative templates, with a focus on cash flow/global cash flow and repayment analysis to determine appropriate risk classification of loans and borrowers. Spreads include borrowing base certificates and measured covenants per BLA requirements as applicable.** **Complete steps in various workflows to advance New Requests, Renewals, Modifications, Extensions, Memo to Files, CCARs, and ALRs or other credit memorandums and loan review documents.** **Generate credit reports and conduct OFAC inquiries on existing borrowers, prospects, and related parties as applicable.** **May assist in the financial review process of other Credit Analysts work and the training of new Credit Analysts.** **Engage in risk discussion and conduct advanced analysis or work with complex borrowers.** **Additional Duties and Responsibilities** **Project professionalism in both appearance and attitude when dealing with clients and peers.** **Attend training classes as required.** **Observe all federal and state laws as well as Riverview Bank policies and procedures.** **Coordinate with other departments as necessary.** **Additional duties as assigned.** **RELATIONSHIPS:** **Frequent contact with Supervisor to receive instruction and direction.** **Maintain strong working relationships with Credit Administration and the Commercial Lending team.** **Maintain cooperative working relationship with other areas of the Bank.** **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** **Bachelor's degree (B. A.) in Business or equivalent from an accredited four-year college/technical school with preferred one year of intermediate accounting, and 2-years as a Credit Analyst or other work experience equivalent.** **SKILLS:** **Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.** **Ability to prepare basic loan reports and business correspondence. Ability to effectively present information to Commercial Loan staff.** **Ability to calculate basic mathematical functions.** **Ability to solve practical problems and deal with a variety of variables** **Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form in a timely manner.** **PHYSICAL DEMANDS** **While performing the duties of this job, the employee is regularly required to effectively communicate via phone/video, messaging, and email. The employee is required to use computer and office equipment such as a computer, printer, copier, as well as computer software such as Microsoft Office. You may also frequently be required to occupy a workstation for long periods of time.** **The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions** **_._** **Riverview Bank does not accept unsolicited resumes from any third party staffing agencies and/or search firms for any job postings** **.** **Third parties are not authorized to submit profiles, applications, or resumes to this site or to any Riverview Bank employee. Any such submissions, Riverview Bank will not be responsible for any fees related to unsolicited resume submissions without written consent from the Talent Acquisition Team. Including, but not limited to the candidate hired for a position.** **Riverview Bank is an equal opportunity employer and affirmative action employer committed to a diverse and inclusive workforce. Applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy), age, sexual orientation, national origin, marital status, parental status, ancestry, disability, gender identity, veteran status, genetic information, other distinguishing characteristics of diversity and inclusion, or any other protected status.** **Qualifications** **Education** **Required** + Bachelors or better + or a combination of education and experience or better **Experience** **Required** + 1 year: Related experience and/or training Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)