Credit Analyst - Panama City
Centennial Bank - Panama City, FL

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Analyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals.

ESSENTIAL DUTIES AND RESPONSIBILITIES : (Other duties may be assigned.)
1. Prepare financial statement spreads using the Moody’s financial statement analysis software and financial statements presented by commercial lenders. Review trends. Manage a schedule under which spreads are prepared and returned to loan officers within a time period agreed upon in advance with each lender. Maintain Moody’s database. This duty is performed about 26% of the time.

2. Prepare in-house spreadsheets designed to quantify borrower’s personal, global, and real estate cash flows on an as-needed basis for commercial lenders. Manage a schedule under which analysis takes place on an accurate and timely basis. This duty is performed about 26% of the time.

3. Prepare narrative analysis of findings and recommendations for lenders. This duty is performed about 26% of the time.

4. May assist, coordinate and attend loan committees at respective banks. This duty is performed about 10% of the time.

5. Completes required BSA/AML training and other compliance training as assigned. This duty is performed about 10% of the time.

6. Perform any other related duties as required or assigned.

Basic Qualifications QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

Bachelor's Degree in business, finance, accounting, or economics preferred; or a minimum of 5 years banking experience with demonstrated knowledge of basic principals of accounting, finance, and economics.

Ability to read, analyze, and understand common scientific and technical journals, financial reports, and legal documents; Ability to respond to complex or difficult inquiries or complaints from customers, regulatory agencies, or members of the business community.

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.

Ability to utilize common sense understanding in order to carry out written, oral or diagrammed instructions. Ability to deal with problems involving several known variables in situations of a routine nature.

Under general direction, working from policies and general directives. Rarely refers specific cases to supervisor unless clarification or interpretation of the organization's policy is required.

Considerable responsibility with regard to general assignments in planning time, method, manner, and/or sequence of performance of own work; may also occasionally assist in the planning of work assignments performed by others within a limited area of operation.

Performs work operations which permit frequent opportunity for decision-making of minor importance and also frequent opportunity for decision-making of major importance, either of which would affect the work operations of small organizational component and the organization's clientele.

Close mental demand. Operations requiring close and continuous attention for control of operations. Operations requiring intermittent direct thinking to determine or select the most applicable way of handling situations regarding the organization's administration and operations; also to determine or select material and equipment where highly variable sequences are involved.

Moderately directed. Activities covered by wide-ranging policies and courses of action, and generally directed as to execution and review. High order of analytical, interpretative, and/or constructive thinking in varied situations.

Regular use of highly complex machines and equipment; specialized or advanced software programs.

Probable errors would not likely be detected until they reached another department, office or patron, and would then require considerable time and effort to correct the situation. Frequently, possibility of error that would affect the organization's prestige and relationship with the public to a limited extent, but where succeeding operations or supervision would normally preclude the possibility of a serious situation arising as a result of the error or decision.

Occasional routine contacts with persons outside the organization. This would include contacts with suppliers, mail service, etc.

Contacts of considerable importance within the department or office, such as those required in coordination of effort, or frequent contacts with other departments or offices, generally in normal course of performing duties. Requires tact in discussing problems and presenting data and making recommendations, but responsibility for action and decision reverts to others.

Advanced: 10-Key, Accounting, Spreadsheet, Word Processing/Typing

Should be analytically minded and possess good judgment.
Proficient in Microsoft Word and Excel.
Good oral and written communication skills.
Personal credit history devoid of derogatory credit.
Ability to lift 15 lbs.

The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.

While performing the duties of this job, the employee is occasionally required to bend, lift and carry up to 15 pounds. Specific vision abilities required by the job include being able to read and interpret words and numbers on documents and receipts to perform the duties required.

The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made
to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually quiet.

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