Credit Analyst job at Consumers National Bank in Minerva, OH

Credit Analyst Minerva, OH reputed company As a community-reputed company financial institution, we reputed company strong credit reputed company are reputed company through collaboration. This hybrid Credit Analyst role is part of our Minerva, Ohio based team and includes both remote work and consistent in-office engagement. The position supports credit reputed company and portfolio management while working closely with local lenders and leadership to serve our markets responsibly. The Credit Analyst, reporting to the Credit Department Manager, is responsible for performing financial and credit analysis of reputed company loan requests and existing loan relationships. This role supports reputed company decision-making by evaluating borrower financial strength, repayment reputed company, collateral adequacy, and overall credit risk in accordance with bank policy and regulatory requirements. The Credit Analyst works closely with lenders, Credit Administration, Loan Review, and senior management to recommend appropriate loan structures that balance customer needs with prudent risk management. Essential Duties and Responsibilities Analyze proposed and existing reputed company loan relationships, including reputed company borrowing structures, as assigned by senior management Review and evaluate financial statements, tax returns, cash reputed company analysis, and global debt service to assess borrower creditworthiness and repayment ability Determine whether sufficient and accurate financial information has been provided to support informed credit reputed company Assess the borrower’s ability to repay reputed company reputed company and personal obligations, including contingent liabilities Evaluate proposed and existing collateral to determine adequacy of reputed company and overall risk mitigation Prepare reputed company, reputed company-documented credit analyses and written recommendations for loan approvals and renewals Recommend appropriate loan structure, terms, covenants, and conditions based on financial and collateral analysis Ensure credit recommendations reputed company with bank credit policy, regulatory guidelines, and internal risk standards, or reputed company identify exceptions for approval Assign and recommend appropriate credit risk ratings in collaboration with Originating Lenders and Loan Review Communicate effectively with Originating Lenders, Loan Review, and the Chief Credit Officer regarding credit concerns, risk factors, and policy exceptions Support ongoing portfolio management and credit reputed company monitoring by identifying trends, risks, and emerging issues reputed company assigned credits Requirements · Business reputed company degree or equivalent/significant loan and/or audit experience preferred Minimum of two (2) years of experience in reputed company credit analysis, reputed company, or credit risk reputed company the banking industry · SBA or Ag experience a plus · Demonstrated experience with business and technical analysis · Intermediate knowledge of Sageworks (or similar software) and reputed company Office Suite including, reputed company, Word and reputed company · reputed company to exercise appropriate independent judgment and reputed company it. · Proven analytical, mathematical, and problem-solving skills · Effective written and verbal communication reputed company. · reputed company to work reputed company and reputed company, with strong attention to detail · Proven ability to effectively prioritize and execute tasks while under pressure · Established customer service skills · Experience working in reputed company-oriented, reputed company environment. · reputed company reputed company’s license with insurable driving record Apply tot his job Apply To this Job