The Credit Analyst is responsible for conducting financial analysis of existing and potential borrowers. The Credit Analyst shall analyze current credit data and financial statements of individuals and/or entities to determine the degree of risk involved in extending credit or lending money by preparing reports with this information for use in decision making.
Responsible for financial analysis of moderately complex loans and customers.
Works more independently but under the guidance and review of lead staff.
Strong understanding of loan risk factors.
Makes inquiries for specific customer information based on all information available.
Responsible for performing underwriting analysis of borrower's character, credit worthiness and financial condition.
Supports the lending function by providing analytical support.
Prepares timely approval memorandums for presentation to appropriate lending authorities.
4 year degree or equivalent experience.
2-5 years related experience required.
Knowledge of credit and financial analysis techniques.
Ability to gather, analyze and summarize information to provide recommendations on an independent basis.
Strong oral and written communication skills.
Strong analytical skills.
Strong PC skills including demonstrated proficiency and capability in word processing and spreadsheet software.
Ability to multi-task and meet deadlines.
Ability to maintain the confidentiality of credit and Customer information.
Good interpersonal skills and a team orientation.
Additional Salary Information: Negotiable-based on experience
About Hebron Savings Bank
Hebron Savings Bank is a locally owned community bank with 13 branches serving clients on the Delmarva Peninsula, a peninsula which includes Delaware, and the eastern coastal areas of Maryland and Virginia. Currently employing over 140 employees, we are always looking for conscientious, highly motivated sales and service-oriented people to join our team. As an equal opportunity employer, we have a wide variety of opportunities to explore. Generous full-time employee benefits include medical, dental, vision, life and disability insurance coverage, flexible paid time off (PTO), and a 401(k) retirement plan.
The Bank strives to show its appreciation to its employees and their families. We are proud to say we have several employees with more than forty years of service – a remarkable testimony in this day. We are a family of employees, serving our friends and business associates with a hometown touch. In addition to competitive salaries and benefits, we provide pleasant working conditions, and continue to provide training and opportunities to allow our employees to grow in their careers.