The Credit Analyst II is responsible for performing a variety of duties to support the Credit Department of which the following are illustrative:
Analyze financial and related data to determine credit-worthiness of the prospective customers and the merits of the loan request for commercial borrowers.
Maintain credit files on-going to ensure that background and historical data, financial statements, tax returns, loan commitments, collateral, correspondence and other supporting documents are included and current.
Assist with the maintenance of credit files and status reports on large borrowers.
Prepare reports regarding the overall quality of the loan portfolio.
Prepare commercial commitment letters.
Review of large borrowing relationships.
Review of residential and commercial appraisals.
Prepare loan packages for review by Officers Loan Committee and Board Loan Committee.
Maintain a positive and productive working relationship with all members of management, loan officers and Bank staff.
Perform any and all other duties as assigned by management.
Knowledge, Skills and Abilities
Two years’ experience in credit underwriting at a financial institution.
AA Degree in Accounting or Business preferred.
Solid analytical skills with a background in loan underwriting, administration, and operations.
Excellent verbal and written communication skills.
Exceptional listening and communication skills.
Familiarity with related laws and compliance administration.
Proficient computer skills including Microsoft Word, Excel and Outlook.
Strong organizational, problem-solving, and analytical skills.
Acute attention to detail.
Versatility, flexibility, and a willingness to work within constantly changing priorities with enthusiasm.
Ability to manage priorities and workflow.
Commitment to the Queenstown Bank’s Code of Ethics.
Mobility sufficient to perform activities required of position, including travel to all Branch locations.
Manual dexterity for the functional operation of office equipment such as computers, calculators, etc.
Ability to actively engage in necessary communications with both internal and external customers.
We offer a comprehensive benefit package including: health, dental and vision insurance; Company paid short-term and long-term disability insurance and life insurance; paid-time off, 401(k) plan including company match, opportunity for growth and advance, and much more.
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
About Queenstown Bank of Maryland
Queenstown Bank of Maryland
7101 Main ST PO Box 120
Queenstown, MD 21658
410-827-8881 Fax 410-827-4343