First Bank
  • 02-Nov-2018 to 03-Feb-2019 (EST)
  • Credit Administration
  • Charlotte, NC, USA
  • Salary
  • Full Time

Comprehensive Medical, Dental, Vision Insurance. 401k Plan with generous Employer Match, Short and Long-term Disability Insurance. Employer provided Life and Accidental Health and Dismemberment Insurance, Voluntary Supplemental Life Insurance coverage, Health Care and Dependent Care Flexible Spending Accounts,Paid Vacation, Paid Time Off, Family-oriented culture that values work/life balance.


The position of Credit Analyst II is responsible for reviewing financial information taken from the lending officers and making sure that the cash flows and credit package are developed correctly; assists loan officers in determining if additional information is needed; and organizes the information in a specific format to be given to the Credit Officer for review for approval consideration. In addition, the Analyst is responsible for providing package preparation guidance to junior analysts and lending officers and supporting the training efforts of the bank in this area.


  • Assists loan officers in performing pre-qualifications assessment and analysis of financial condition and risk of requests within the framework of Bank credit culture and current economic and industries trends.
  • Assists in preparing spreadsheets and analysis of financial information including financial statements and tax returns.
  • Provides the spreading of financial information to the Regional Credit Officer for review.
  • Conducts industry peer comparisons, performs cash flow analyses and other such tasks and comparisons.  
  • Develops knowledge of financial industry, economy, market conditions, rates and competition.
  • Prepares a written underwriting package for new loans of $350,000 or greater or for loans in relationships of $1,000,000 or greater or where the obligor or relationship is considered complex or as required by the Regional Credit Officer. 
  • Uses Moody's Financial Analyst as analytical tool.
  • Reinforces the application of superior customer service through his or her own example along with appropriate follow through with employees.
  • Operates computer terminal or personal computer to obtain and process data, do credit research or portfolio analysis. 
  • Answers telephones, answers questions from lending officers. 
  • Performs duties specific to the position and other functions as assigned. 
  • Assists with on-going computerization of the loan review function. 
  • Assists in training sessions for the lending officers when needed.
  • Assists in maintaining the portfolio of loans where an individual borrower's total loan exposure is $1,000,000 or greater in the aggregate.  This consists of working with the lending officers to make sure that all documentation is in file, that financial information is current, and any other items that may be required by the Regional Credit Officer
  • Completes annual compliance courses.


  • Adheres specifically to all corporate policies and procedures.  Also adheres to Federal and State regulations and laws including the Bank Secrecy Act.
  • Performs additional duties and responsibilities as directed.



Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines. 

College degree in Business Administration, Accounting or Economics or related area with 3-5 years professional experience in the areas of loan origination and underwriting. Work related experience should include a comprehensive level of branch operations, loan structuring and underwriting to include credit package preparation and memo writing.


Physical Demands/Work Environment: Vision, hearing and speech are required. Individuals must have the ability to work with detailed information in a concentrated manner.  

The environment for this position is an open office that is mostly clean and comfortable. It may include some minor annoyances such as noise, odors, drafts, etc. The incumbent is in a non-confined office-type setting in which he or she is free to move about at will. 

The incumbent in the course of performing this position spends time writing, typing, speaking, listening, lifting (up to approximately 25 pounds), carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching. 

The incumbent for this position may operate any or all of the following: telephone, copy and fax machines, adding machine (calculator), typewriter, computer terminal, personal computer and related printers. 

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.  

The physical demands 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.  


Mental Requirements: Vision, hearing, and speech are required. Individuals must have the ability to work with detailed information in a concentrated manner. The ability to utilize the computer and/or calculator is necessary. Must have reliable transportation and a valid driver's license is preferred.


The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, training, multiple concurrent tasks, and constant interruptions.

First Bank
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