Senior Credit Analyst

The Paducah Bank & Trust Company


Industry: Banking
Website: www.paducahbank.com
Location:
P. O. Box 2600
555 Jefferson Street
Paducah, KY 42001

Job Description:

Position Title:             Senior Credit Analyst

Department:               Loan Sales Support

Reports To:                 Director of Loan Sales Support

  

General Summary/Purpose

 

 This position works under the direction of the Director of Loan Sales Support and with the Relationship Managers to provide financial and cash flow analysis, conduct collateral analysis, prepare loan approval packages, and assist with construction loan and floor plan management.

 

Key Duties and Responsibilities

 

#1 Spread and analyze historical and projected financial statements            

 

#2 Create loan writeups for Relationship Managers, loan committee and Board presentation, demonstrating an ability to independently identify key issues related to sources of repayment, loan structure, business risk, financial performance, collateral, etc. across a multitude of collateral types and industries                                         

#3 Meet with the Relationship Managers to discuss questions and issues identified while creating spreads and writeups

 

#4 Assist the Relationship Managers in addressing financial questions during OLC and board presentations

 

#5 Assist the department Team Leader in training new analysts and serve as a resource to other credit analysts on an ongoing basis

 

#6 Review large construction draw requests, comparing documentation to AIA or other draw spreadsheets

 

#7 Provide backup to the Corporate Secretary and Executive Assistant in taking minutes for OLC, board meetings, and DCC meetings



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