NHS Human Services, Inc.

Summary:

Under limited supervision, analyze all forms of credit information and independently prepare a complete documented credit package for all types of loan requests for the Credit Services Department to include both commercial and agricultural loans.

Essential Functions:

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Actively collaborate with Relationship Specialist, Relationship Managers, Credit Operations and CCO to finalize credit recommendations. Delegated authority - up to $1,000,000.
• Deliver on organization metrics and KPIs to ensure timely and quality underwriting results.
  1. Days assigned to when underwriting is completed; 
  2. Quality of work measured by the number of findings uncovered by loan review or regulators;
  3. Quality of work measured by number of risk rating changes by loan review or regulators; and
  4. Percentage of ownership to committee level loans.
• Analyze financial information for new loan requests, renewals and modifications up to established exposure limits.
• Independently complete historical trends, pro-forma projections, debt repayment schedules, consolidations, and stress testing with accuracy.
• Actively engages in loan structure strategy with Relationship Managers. Makes applicable recommendations to ensure that acceptable credit standards are maintained and that all loans conform to credit policy while fully mitigating exceptions to policy.
• Makes recommendations regarding risk rating of commercial and agricultural accounts and assesses collateral quality and values.  Establishes risk rating within their delegated authority.
• Independently prepare loan narratives on larger and more complex transactions, including CLC transactions, which provide an adequate summary of the financial analysis, addressing the applicable character, capacity, collateral, capital and conditions of the credit, highlighting credit strengths and weaknesses that supports the credit recommendation.  
• Attend the Bank's Loan Committee when appropriate.
• Maintain a strong working knowledge of Bank policies and pertinent lending regulations.
• Independently take credit action within their designated lending authority.
• Mentor, training and provide leadership and guidance to Underwriters when applicable.
• Maintain and grow knowledge of industry trends and risks within the marketplace which may have a direct or indirect impact on the Commercial and Agricultural Lending portfolio.
• Monitor accounts for compliance to loan covenants and other on-going conditions for the loan approval. Verifies assets and debts when necessary by using technology and resources available. Monitor borrowing bases in conjunction with the Credit Services Officer.
• Performs other duties/projects as assigned.

Required Education and Experience:

• Bachelor's degree in Accounting, Finance or business related field from an accredited college or university required.
• 5-7 years formal credit analysis and/or equivalent experience is required.
• Experience across multiple lines of business, particularly commercial and agricultural lending is preferred.
• Thorough knowledge of accounting, financial analysis methods and techniques, and spreadsheet applications.
• Thorough knowledge of credit concepts and principles, loan documentation, bank services and operations.
• Strong ability to analyze credits and possess detailed knowledge of lending structure and cash flow analysis.
• Excellent organizational and analytical skills.

Competencies:

• ENB Operational and Functional Competencies.
• Excellent presentation and sales skills are critical.  

Supervisory Requirements:

This position does not have any supervisory responsibilities.

Work Environment:

This job operates in a professional work environment.   This role routinely uses standard office equipment su h as computers, monitors, mouse, keyboard, phones, printers, scanners, photocopiers, filing cabinets, calculator, and fax machines.

Physical Demands:

Ephrata National Bank promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees.  The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job, the employee is regularly required to talk or hear. Specific vision required by the job includes close vision, distance vision, and ability to focus. While this position is primarily sedentary, the employee is frequently required to stand, walk, use hands to finger, handle or feel objects or controls, reach with hands and arms, bend, balance, stoop, kneel, and crouch. The employee must be able to lift and/or move up to 25 pounds including standard computer and copy paper boxes, and must be able to open and close filing cabinets and drawers.

Position Type and Expected Hours of Work:

This is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5 p.m. Flexibility of schedule to meet business needs is required.

Travel:

This position may require travel.

EEO Statement 

*Ephrata National Bank supports a diverse workforce and is an Equal Opportunity Employer. *It is the policy of Ephrata National Bank to provide equal employment opportunities without regard to race, ethnicity, color, religion, sex, national origin, age, disability, marital status, covered veteran status, sexual orientation, gender identity, genetic information or any other protected characteristic applicable under law. The bank complies with all relevant federal, state, and local laws, as well as, all regulations regarding nondiscrimination.  

This job description reflects management's assignment of essential functions and position responsibilities. Nothing in this job description restricts management's rights to assign or reassign duties and responsibilities to this job at any time. The employee is expected to adhere to all of Ephrata National Bank's procedures and to act as a role model in the adherence to the banks polices.