Job Abstract

Citizens Express Credit Support Officer has prior experience and expertise in credit analysis, with an understanding and ability to handle financial statement, tax return and cash flow analysis for less complex businesses and individuals. Based on the credit request and analysis of the business or individual, this associate provides the bank with an accurate, clear and concise written credit request Report of Credit Extended- RCE.
ESSENTIAL DUTIES AND RESPONSIBILITIES
include the following:Prov... more detailside, present and promote The Citizens Experience to all external and internal customers. Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job. Review credit request/file for completeness. Obtain any Due Diligence items needed. Spread financial statement and/or tax returns. Enter accurate income and expense entries to bank's product specific software. Obtain and review any due diligence items needed. Evaluate a credit request and formulate questions if necessary to complete the analysis. Utilize bank product specific software to complete process. Recommend a decision of approval, decline or counteroffer with supporting strengths and weaknesses. Prepare an accurate, clear and concise RCE. If credit request does not fit within the bank's standard lending policy and procedures, refer to other bank departments. Discuss credit requests with associates in business centers and Credit Management Division. Other duties may be assigned. SUPERVISORY RESPONSIBILITIES This job has no supervisory responsibilities.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION and/or EXPERIENCE Two-year college or university program certificate; or two to four years related experience and/or training; or equivalent combination of education and experience. LANGUAGE SKILLS Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports and business correspondence. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. MATHEMATICAL SKILLS Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry. REASONING ABILITY Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.
COMPUTER SKILLS
Basic computer skills and knowledge of the following software: MS Excel Spreadsheet, MS Word, Navigator, Director, MS Outlook and bank product specific software.