At C&N we have a mission to take care of our customers to be the only bank they need. The Credit Analyst II is responsible for conducting credit investigations and analyzing credit information of larger and more complex loan requests. This position will also prepare credit approval documents for presentation to loan officers and/or committees.

1. Spreads, reviews, and analyzes financial statements and related material for larger and more complex existing and prospective borrowers.

2. Develops the credit approval document to assist in the lending decision on new, renewal, and extension loans.

3. Investigates all available sources of credit and financial information, including report services, credit bureaus, industry trends, and other companies.

4. Prepares annual reviews on borrowing relationships in accordance with C&N Bank’s loan policy.

5. Assists in the assignment of risk ratings.

6. Performs role as assigned in the approval process within credit policy and using prudent credit underwriting skills

7. Calls on existing and potential borrowers with lenders to solicit new loan and deposit relationships or to monitor the borrower’s ongoing credit worthiness.

8. Training and Education – Complete all assigned training as established in a timely manner, including compliance, certification & licensure, and other developmental requirements.

9. Customer Service - Exemplifies C&N Customer Service Standards.

PM23

Education: Bachelor's degree in Accounting, Finance, or a directly related field

and

Experience: 2–4 years of previous related experience and/or training.

OR: Equivalent combination of education and experience.

Skills:

• Detail Oriented
• Critical Thinking
• Strong Research Skills
• Strong Communication; public speaking experience helpful
• Knowledgeable of Accounting Standards
• Experience working with tax returns

PI206048823