Credit Analyst I

Location: 

Harrisburg or York, PA, or mutually agreed upon location

 Position Summary: 

Assist loan officers in connection with financial analyses of all types of credit information; develop and analyze all types of credit information pertaining to commercial loans; prepare credit reports; furnish information relative to credit inquiries; provide other assistance to loan officers as requested.

Qualifications:

Bachelor’s degree in Business, Finance, or Accounting; equivalent work experience will be considered in lieu of a degree.

Recent college graduate or minimum one (1) year of experience in spreading and analyzing financial statements (business & personal); working knowledge of Credit Department practices and procedures.

Proficient reading, verbal and written communication, mathematical, computer, and interpersonal relations skills; solid working knowledge of current lending, loan review and banking regulations; proficiency in analyzing and interpreting financial statements; strong working knowledge of spreadsheet and database software.

Essential Duties:

Develop credit information, from various sources, for use by loan officers and approval authorities in evaluating creditworthiness of new and existing borrowers; prepare financial spreadsheets and compile supporting financial information; analyze financial information and related credit information to determine creditworthiness of borrower; may make recommendations to appropriate personnel on the granting or denying of loans; prepare sufficient information to document recommendations; provide thorough documentation of financial analysis work, including ratios and other related information; ensure credit analysis activities are conducted in accordance with prescribed lending policy.

Prepare commercial loan presentations for appropriate approval authority; ensure that up-to-date financial statements, accounts receivables agings, and other required items are current and on file.

Benefits:

At Orrstown Bank, our employees are our most valuable asset. Our benefits package is designed to help our team achieve work/life balance, maintain a healthy lifestyle, and plan for the future.

• Medical insurance 
• Dental insurance 
• Vision insurance  
• Long-term disability  
• Short-term disability  
• Employee, spouse and dependent life and AD&D insurance  
• Flexible spending account 
• Dependent care spending account  
• Employee stock purchase plan  
• 401(k)/profit-sharing program  
• Paid time off  
• Paid holidays  
• Paid parental leave 
• Employee service recognition