Description

CREDIT ASSOCIATE

Non-Exempt - Grade Level 2

Equal Employment Opportunity 

CORPORATE VALUES & MISSION

“Provide superior service and quality advice and show utmost respect to everyone we meet.”

GENERAL SUMMARY

Support commercial lending personnel by tracking financial statements of commercial loan customers and reviewing any outstanding items required. This role involves maintaining credit files, maintaining various tracking systems and spreadsheets, and helping ensure credit policies are followed to minimize financial risk while supporting business growth.

REPORTS TO: Credit Team Lead 

ESSENTIAL DUTIES AND RESPONSIBILITIES

· Request and track current financial statements and tax returns from our current customers

· Prepare agenda and update various reports reviewed at each weekly Officer's Loan Committee.  Record, type, and maintain minutes for each meeting

· Perform Quality Control Checklists

· Maintain complete and accurate electronic ‘credit files’ in Synergy and Metriciti

· Maintain monthly borrowing base certificate spreadsheet, including reviewing borrowing base certificates provided by Borrower’s for accuracy 

· Verify covenant compliance and update tracking details

· Respond to credit inquiries/verifications on commercial customers

· Adhere to all compliance laws and regulations

· Other duties as assigned by supervisor

· Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and report any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.

· Be familiar with and comply with all federal and state banking regulations as applicable

QUALIFICATIONS

• To perform this job successfully, an Individual in this position must be able to perform each of the above essential duties satisfactorily and exhibit the values of the Company. In addition, the requirements listed below are representative of the      knowledge, skill and/or ability.

EXPERIENCE and/or EDUCATION

• High School Diploma AND one (1) year of customer service in banking, financial services or goal driven retail sales 
• Bachelor's Degree in business-related major preferred

CORE COMPETENCIES

Oral Communication – Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings.

Written Communication – Writes clearly and informatively; edits work for spelling and grammar; varies writing style to meet needs; presents numerical data accurately; able to read and interpret written information.

Analytical – Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data.

Technical Skills – Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others.

Quality – Demonstrates accuracy and thoroughness; monitors own work to ensure quality.

Quantity – Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly.

Safety and Security – Observes safety and security procedures.

Adaptability – Adapts to changes in work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays or unexpected events.

Attendance/Punctuality – Is consistently at work and on time; ensures work responsibilities are covered when absent; arrives at meetings and appointments on time.

Flexibility – able to provide flexibility and adapt to changing schedules.

Dependability – Follows instructions; responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; completes tasks on time or notifies appropriate person with an alternate plan.

Initiative – Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.

Innovation – Displays original thinking and creativity; meets challenges with resourcefulness; presents ideas and information in a manner that gets others’ attention.

Requirements

PHYSICAL DEMANDS & WORK ENVIRONMENT

Ability to work in an office environment which may include many hours of computer and telephone usage. Must be able to lift 25lbs. This position is remote-eligible on a part-time/hybrid basis with supervisor’s approval. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodation.