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Credit Analyst I (Part Time) - Versailles, KY #4415264

Company: Citizens Commerce National Bank

Date: 01/12/2018

Category: Biotechnology / Pharmaceuticals

City: Versailles, KY


Credit Analyst I

The Credit Analyst is responsible for analyzing credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit for commercial borrowers. Credit Analysts work with the Loan Officers to ensure that sufficient documentation is obtained so that a thorough analysis can be completed. Based on the information presented, the Credit Analyst prepares reports for presentment and use in the decision making process.

Primary responsibilities for this position include:

  • Analysis of basic or intermediate complexity credit data and financial statements to determine the degree of risk involved in extending credit to commercial borrowers.

  • Generation of financial ratios (utilizing computer programs) to evaluate customers' financial condition.

  • Consultation with lenders to verify commercial borrower's financial and credit activities.

  • Preparation of reports that include assessing the degree of risk involved in extending credit to commercial borrowers.

  • Maintaining a pipeline report of credit analyses in process.

  • Meeting or exceeding established goal expectations for completed credit reports (including credit analyses and summaries of loan requests) and submission to loan committees for approval in a timely manner. Attending Senior Loan Committee meetings and providing feedback as requested.

  • Preparing departmental and lending activity reports as requested by the Chief Credit Officer.

Key Competencies necessary to perform in this role:


  • Economics and Accounting – Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.

  • Mathematics – Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.

  • English Language – Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.

  • Customer and Personal Service – Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.

  • Computers and Electronics – Knowledge of electronic equipment, computer hardware and software, including applications.

  • Clerical – Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, and other office procedures and terminology.


  • Critical Thinking – Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.

  • Active Learning – Understanding the implications of new information for both current and future problem-solving and decision-making.

  • Active Listening – Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

  • Judgment and Decision Making – Considering the relative costs and benefits of potential actions to choose the most appropriate one.

  • Reading Comprehension – Understanding written sentences and paragraphs in work related documents.

  • Speaking – Talking to others to convey information effectively.

  • Mathematics – Using mathematics to solve problems.

  • Complex Problem Solving – Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.

  • Writing – Communicating effectively in writing as appropriate for the needs of the audience.

  • Service Orientation – Actively looking for ways to help people.


  • Mathematical Reasoning – The ability to choose the right mathematical methods or formulas to solve a problem.

  • Problem Sensitivity – The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem.

  • Deductive Reasoning – The ability to apply general rules to specific problems to produce answers that make sense.

  • Inductive Reasoning – The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).

  • Number Facility – The ability to add, subtract, multiply, or divide quickly and correctly.

  • Oral Comprehension – The ability to listen to and understand information and ideas presented through spoken words and sentences.

  • Oral Expression – The ability to communicate information and ideas in speaking so others will understand.

  • Information Ordering – The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations).

  • Near Vision – The ability to see details at close range (within a few feet of the observer).

  • Written Comprehension – The ability to read and understand information and ideas presented in writing.

  • Speech Clarity – The ability to speak clearly so others can understand you.

  • Speech Recognition – The ability to identify and understand the speech of another person.

  • Written Expression – The ability to communicate information and ideas in writing so others will understand.

  • Category Flexibility – The ability to generate or use different sets of rules for combining or grouping things in different ways.

  • Flexibility of Closure – The ability to identify or detect a known pattern (a figure, object, word, or sound) that is hidden in other distracting material.

  • Selective Attention – The ability to concentrate on a task over a period of time without being distracted.

Candidates for this position should possess at least two years of previous experience in banking or a similar financial services employer. Credit and loan review experience is strongly preferred. A general understanding of financial institutions, standard accounting practices and financial statements are all necessary to perform in this role. Candidates should possess a bachelors degree in finance, accounting, mathematics or a similar field of study that requires both numerical and analytical skills. Education and/or experience above the minimum stated requirements will be considered to offset deficiencies in the other.

ID: 2018-1043

External Company Name: Citizens Commerce National Bank

External Company URL:

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