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Wells River Savings Bank

Credit Analyst

Summary: Responsible for analyzing and monitoring the credit worthiness of the

banks customers. Analyzes financial statements, tax returns, and bank

references to evaluate the financial condition of individuals and

businesses applying for credit with the bank. Recommends credit lines

within the established bank guidelines.

Salary Range: \$50,000 to \$65,000 per year, depending on qualifications and

experience. A higher rate may be offered to candidates with exceptional

experience or skills.

Job Qualifications:

? Associates degree and two years of related experience or five years of related

work experience.

? Knowledge of basic lending policies and procedures/underwriting guidelines

gained through work experience or in-house training.

? Strong financial analytical skills with sound judgment and decision-making

abilities.

? Excellent organizational and communication skills with high level of attention to

detail.

? General computer knowledge and experience with MS Word and Excel.

Specific Job Functions:

? Obtains loan request information from commercial lender or borrower to analyze

credit information, financial statements and other related information pertaining to

the loan.

? Acquires background documentation and reviews personal and business

financial statements and tax returns.

? Analyzes financial information and prepares the preliminary analysis for the

lender.

? Reviews and prepares written analysis, spreadsheets, reports, summaries and

opinions to lenders and committees.

? Verifies the completeness and accuracy of credit applications and documents

lending decisions.

? Examines, evaluates, and authorizes approval or denial of consumer loan

applications; recommend approval or denial for those more than authorized limits

? Serves as backup underwriter for mortgage and consumer loans.

? Accepts responsibility to stay abreast of all Federal and State laws, and

compliance regulations governing the bank in general, and as they pertain to the

job function.

? Performs other duties as assigned.

Exemption Status

? Exempt, salaried position.

Location

? Wells River Branch

Work Schedule:

? This is a full-time position requiring 40 hours a week, Monday through Friday

8am to 5pm.

Wells River Savings Bank is a mutual savings bank with associates working in our

seven offices in the Connecticut River Valley. We are an Equal Opportunity Employer.

All qualified applicants will receive consideration for employment without regard to race,

color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy,

genetic information, disability, status as a protected veteran, or any other protected

category under applicable federal, state, and local laws. We offer an excellent work

environment while providing opportunities for our associates to learn and grow.

WELLS RIVER SAVINGS BANK

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