Summary: This position is responsible for supporting the credit administration function of the bank through input and analysis of financial information, credit memo production, covenant tracking and the annual review process.

• Specific Job Functions:
• Strategic Objectives 
• Reviews, executes, and practices objectives within SFSB’s Strategic Plan.
• Specific Job Duties 

Performs credit analysis on commercial loan requests under direction of Commercial Credit Dept Officer.

Completes applicable sections of commercial loan request memos.

Inputs financial information into the credit origination system.

Requests additional information from commercial development officers as needed to complete analysis

Identifies risks and performs trend analysis to support commercial credit originations and renewals.

Helps ensure the bank is taking prudent risk on commercial loans.

Supports the annual review of major borrowers

Supports the covenant tracking process and completes analysis of interim financials as needed.

Other duties as assigned by management or direct supervisor

• Building Customer Relationships 
• Actively participates in local business and community activities
• Promotes a favorable image of the bank in all business activities within the community.
  • Makes calls on new or existing customers with commercial development officers as needed to understand loan requests
  • Supports the bank’s strong relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge.
  • Communication
  • Must be able to communicate thought clearly, both orally and written.
  • Must be able to communicate throughout all levels of the organization.
  • Reports at internal Branch meeting monthly.
  • Participates in monthly branch staff meetings.
  • Communicates with Branch staff regularly.
  • Compliance
  • Present and review loan requests, as defined by the loan policies, with directives for the consideration and approval or rejection.
  • Responsible for knowing and complying with all Bank policies and procedures that apply to the position.
  • Responsible for knowing and complying with all Federal Regulations and bank policies/procedures that apply to position, including the BSA/AML/OFAC and CIP Program.
  • Additional Responsibilities 
  • Participates on SFSB’s assigned committees.
  • Coordinates PTO days with supervisor to ensure department is adequately staffed at all times.

• Answers phone as needed.

  Performs other duties as directed by supervisor.