When you work at First Federal Lakewood, you'll work with a mutual bank that shares a commitment to customers, community and each other.

Our differences bring inclusion to life at First Federal Lakewood and our commitment to diversity is our commitment to you, our customers and our communities. We seek and respect diverse creativity to build new ideas and add to our rich heritage. Our employees are valued, respected and their voices are heard.

The Loan Credit Analyst is responsible for analyzing financial data to determine customer's credit worthiness.

Duties and Responsibilities:

1. Contacts all borrowers and tracks receipt of annual financial information as required by the loan documents; analyzes financial statements of all levels of quality to develop an initial assessment by identifying strengths and weaknesses as pertaining to a borrower's historical operating performance.
2. Completes and reviews existing bank commercial loans and completes risk rating analysis on portions of the portfolio; reviews loan documentation for completeness and accuracy; indicates any missing documentation; prepares and reviews in depth written analyses for relationships of all sizes and all levels of complexity; ensures compliance testing of loan requirements.
3. Researches industry specific information from outside sources, including conversations with the borrower, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the internet; assists loan officers with questions.
4. Presents loan reviews to Commercial Loan committee monthly, including risk rating recommendation and the analysis and merits behind the rating; articulates reasoning behind the rating and defends recommendation if needed.
5. Creates and maintains credit files; performs credit analysis; analyzes customer financial information; generate reports based on commercial loan portfolio.
6. Performs credit loan review due diligence, quantitative analysis; conducts risk ratings on credits or credit analysis; monitors financial statements; requests financials and letters of credit; performs compliance testing of loan requirements.
7. Prepares all credit risk reviews for annual audit.
8. Manages service providers and vendors effectively; structures relationships with service providers in a strategic manner; sets expectations; develops performance metrics; measures vendor performance, provides feedback and holds accountable.
9. Other duties as required.

Necessary competencies:

1. Adaptability
2. Cooperation
3. Communication skills
4. Customer service
5. Quality of work
6. Workflow skills
7. Attendance and dependability

Technical Expertise

1. Experience in financial analysis or credit analysis is preferred.
2. Experience in financial services or banking is preferred.
3. Proficiency in MS Office [Outlook, Excel, Word] or similar software is required. EasyLender, Cleartouch, OnBase, various government and investor software/web portals is preferred. CreditQuest is preferred.

Education and Experience

1. Education: High School Diploma or equivalent is required; Bachelor's degree is preferred.
2. Certification: None.
3. Years of experience: 0 to 2 years is required.
4. Years of experience supervising: None.

Physical Environment

• While performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear and speak.
• The employee must occasionally lift and/or move up to 25 pounds.
• The noise level in the work environment is usually quiet to moderate.
• This position is performed in an office setting, five days a week with typical work hours being 8.30a through 5.15p.

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