As part of the credit approval and the portfolio renewal process for the Real Estate Finance Department, the analyst will take a primary role in performing the underwriting due diligence and in preparing the credit memorandum that will be presented for approval to the appropriate authority.

Firstrust Bank is an Affirmative Action Contractor and is an Equal Opportunity Employer.

Minority/Female/Disabled/Veteran

Assists in the development of new business for Firstrust. Is alert to expressed customer/ prospect needs and possesses knowledge of corporate products and services, to suggest appropriate services. Directs customers to appropriate person to open account.
• Analyze corporate and personal financial statements and tax returns and other financial information provided by customers in connection with any new loan requests assigned in addition to those submitted for the completion of renewals and reviews for current credit relationships. This will require the analyst to be fully capable of understanding and valuing a corporate balance sheet, income statement and cash flow statement. An analyst must be able to utilize this information in the testing of financial covenants.
• Submit financial statements to Caliber for spread, ordering credit histories and relevant searches on new and existing customers.
• Upon request of the RM or Credit Manager the analyst will prepare financial projections (to include sensitivity analysis) when requested.
• Working in conjunction with the RM and Credit Manager the credit analyst will prepare underwriting memorandums for submission to the appropriate approving authority.
• Upon direction of the RM or Credit Manager, Interact with customers and their accountants in the credit analysis process when appropriate.
• Performs other duties as assigned by the Credit Manager.

While performing the essential functions of this position, the employee is required to perform activities such as preparing and analyzing data and figures via a computer terminal. The incumbent will be expected to retrieve files, compose memorandums and communicate with internal and external customers. The incumbent is occasionally required to drive a motor vehicle to accompany RMs to various types of customer meetings and property inspections.

• College degree in accounting, finance, or related field or 1-5 years' experience as a Credit Analyst in Commercial Banking is preferred.
• Familiarity with credit concepts and practices;
• Demonstrated ability to apply judgment, take initiative, handle multiple priorities, and work under general supervision;
• Strong work habits, attention to detail, and teamwork;
• Intermediate proficiency with the Microsoft Office (Word, Excel, Outlook).