Credit Analyst and Loan Documentation Specialist

Job DescriptionJob DescriptionAt Twin City Bank, we take pride in building strong relationships with our customers and supporting the growth of their businesses and our community. We are a dynamic, innovative and service oriented institution that values teamwork, integrity and excellence. If you have the passion for credit analysis, loan documentation, customer service, and where your talent can shine, we invite you to join our team.Job SummaryThe Credit Analyst and Loan Documentation Specialist plays a key dual role in evaluating credit worthiness and ensuring accurate loan documentation. This position is responsible for analyzing financial data, assessing risk and preparing loan documents in compliance with regulatory guidelines and bank policies. The ideal candidate will thrive if self-motivated, detail oriented, analytical and seeks excellence. This position is a key support for Commercial Lenders and the Credit Department.Credit Analysis Credit analysts acquire, compile, update and assess existing customer and applicants individual and business credit data, tax returns and financial statements to determine any and all potential risks and repayment capacity. The analysis requires making meaningful and knowledgeable recommendations as to the customer or prospect credit worthiness and course of action based on the historic, current and projected DSCR, cash flow and financial ratios. Assist in preparing reports and monitoring existing loan portfolios, identifying risks and ensuring timely renewals or modifications. Work closely with loan officers in the completion of credit presentation structuring credit facilities that align with the banks risk appetite, lending criteria, and customer needs. Prepare portfolio reports, construction draws and provide extensive telephone support to customers and staff. Assist in the preparation of CECL calculations and reporting. Evaluates and documents workflows, processes and procedures for completeness and efficiency improvements.Loan Documentation Prepare, review and verify loan documentation for accuracy and completeness and compliance with banking regulations. Ensure all loan documents accurately reflect the approved terms and conditions. Order appraisal and environmental reports in compliance with FIRREA and bank policies. Work closely with lenders and title companies to perfect security facilitate smooth closings. Conduct post-closing audits, identifying and resolving documentation discrepancies. Maintain and organize loan files, ensuring all required documentation is properly recorded and stored in bank systems. Compile Loan Committee and Board loan reportsQualifications Bank training in credit analysis and loan documentation 2+ years experience in bank and lending. Strong financial analysis skills or desire and aptitude to gain skills necessary to interpret complex financial data. Knowledge of banking regulations, loan policies and documentation requirements Proficiency in loan analysis software (Sageworks/Abrigo), loan documentation software (LaserPro), Microsoft Office Suite (advanced Excel is a plus) Knowledge of analyzing of construction loans and SBA SOP, a plus Excellent attention to detail, organizational and time-management skills. Strong interpersonal and communication skills with a customer service mindset.This job description is not designed to cover a comprehensive listing of the required activities, duties or responsibilities of the role and Bank reserves the right to add or change duties at any time, without notice. Essential Functions and Job Qualifications Exercise discretion and independent judgement as to credit recommendations.Ability to prioritize workload with flexibility for special projects or changes to process.Minimum Education: HS diploma or Bank-trained documentation and credit analysis Minimum Experience: 2 years banking/lending experience Preferred Experience: 3-5 Years - Bachelors Degree in related field.Preferred Field-of-Expertise: Directly related experience in a business environment with knowledge of Sageworks/Abrigo financial analysis systems and LaserPro Documentation software..CompetenciesProblem Solving - Identifies and resolves problems time efficiently; Gathers and analyzes information; Develops solutions; Uses reason.Oral Communication - Ability to interact and address complex financial information clearly and persuasively with management staff and customers.Listens and gets clarification when necessary; Responds informatively to questions.Written Communication - Writes clearly and concisely; Edits work; Presents numerical data effectively; Able to read and interpret written information.Cost Consciousness - Works within approved budget; Develops and implements cost saving measures; Conserves company resources.Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Sets goals and objectives.Quality - Demonstrates accuracy and thoroughness; Applies feedback to improve performance; Monitors own work to ensure quality.Assure compliance with all bank regulations, policies and procedures.Physical DemandsOccasionally required to sit.Occasionally required to walk.Occasionally required to use hand to finger, handle, or feel.Occasionally required to reach with hands and arms.Occasionally required to talk or hear.Occasionally required to bend, lift or climb.Occasionally required to lift weights (25-50 pounds).Finger dexterity required.Hand coordination required.Specific vision abilities required for this job include: close vision, distance vision, ability to adjust or focus.Work EnvironmentExposure to adverse conditions.Exposure to fumes or airborne particles.Exposure to outside weather conditions.Possible risk of electrical shock.Possible risk of radiation and vibration.The noise level in the work environment usually is low.Company DescriptionCommercial Bank located in Longview Washington.Company DescriptionCommercial Bank located in Longview Washington.

Created: 2025-04-30