Charles Town, WV

Credit Analyst I



Analyzes credit worthiness and credit risk of commercial borrowers, including review of financial statements and cash flow analysis. Monitors the quality of various commercial loans and assists in the underwriting and processing of commercial credits.


Reports To: AVP Credit Administration Manager 
FLSA Status: Exempt
Department Functions 
Gather and analyze loan application financial data to evaluate risk and assess creditworthiness of individuals, companies, and organizations:
Utilize software to spread and analyze business financial statements and tax returns.
Analyze personal financial statements, credit reports, and tax returns on individuals or guarantors in order to determine repayment capacity.
•  Analyze business, industry and/or real estate market trends.
• Assess and mitigate risk on loan transactions.
Prepare standard and complex loan approval packages, including analyzing and assessing a Borrower’s creditworthiness and capacity for repayment to be presented for approval.
Prepare periodic reviews as necessary on existing loan relationships.
Manage the approved appraiser list, track appraisal orders, and review appraisals
Participate in the preparation of various reports on a periodic basis.
Occasionally participate in client calls with Loan Officers
Maintain communication with Loan Production Staff during loan underwriting and approval process.
Exhibit an understanding of and ensure compliance with internal Loan and Regulatory Policies.
Maintains up-to-date, well-organized documentation and files.  
Assist in the monitoring of the status of financial documents to be submitted by existing commercial borrowers
Client Service
Ability to interact (in person, phone, and electronic communication) with the public and internal personnel well to deal effectively with their questions or problems
Knows the Bank’s products and services thoroughly and seeks out opportunities to explain, promote, or sell products/services.  
Continuously demonstrates a helpful, friendly attitude and is committed to providing excellent client service. 
Maintains neat and orderly work area and ensures that all negotiables and confidential records (physical and digital) are properly secured at all times.
Understands role in case of disaster or robbery, whether victim or bystander, and knows proper post-robbery procedures.
Professional appearance that evokes the client’s trust.
Adheres to all bank policies and procedures and to internal controls and system access restrictions.
Discretion and dedication to protecting the financial privacy of clients, business partners, and employer.
Must have strong interpersonal, verbal and written communication, time-management and organizational skills.
Must be able to work in a team environment, take initiative, show a solid work ethic and perform well with limited supervision.
Must be detail oriented with strong analytical abilities.
Must have a fundamental understanding of financial accounting.
Demonstrates expertise in commercial lending practices and loan products.
Demonstrates financial analysis skills to identify quality credit.
Self-Development: pursue additional education or training to remain current, improve knowledge, and diversify skills.  
Client confidentiality: never reveal or divulge client information to anyone outside of the Bank.
Must have effective project management skills with the ability to multi-task under pressure, prioritize assignments, and work in a fast-paced environment.  
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.  
Four-year college degree in business, accounting, economics, or finance, or equivalent banking industry experience, required. Previous experience as a credit analyst or loan officer preferred.
Must possess a knowledgeable background of the bank’s commercial lending procedures and policies.
Ability to adhere to BCT’s Core Values:  Integrity, Teamwork, Growth, Client Commitment, Community Focus
Position demands a person with a pleasant personality with an above average knowledge of fundamental accounting principles.
Must have basic skills in operating a computer and Microsoft Office products. 
Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.  
Ability to speak in a clear and understandable manner and write legibly.  
Ability to answer telephones and greet public in a friendly and courteous manner.
Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.  
Ability to deal with problems involving several concrete variables in standardized situations.
BCT is a 100% smoke-free company.
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.
While performing the duties of this job, the employee is regularly required to stand; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear.  The employee may regularly lift and/or move up to 10 pounds; frequently lift and/or move up to 25 pounds; and occasionally lift and/or move up to 50 pounds.  
This job description is not designed to cover or contain a comprehensive listing of all duties/responsibilities required of position.  Duties/responsibilities may change or be assigned at any time with or without notice.
BCT is an Equal Opportunity/Affirmative Action Employer
BCT supports a workforce of diversity, equity, inclusion, and accessibility