Senior Credit Analyst

“Starting a business can be very stressful but working with NBC for our business loan to open the practice was supportive and comforting. We knew these were people we could trust, and they’ve proven that true over all the years we’ve been banking with them. We stay with NBC for the great relationships and service.”

Megan Ehlers, DVM

Owner & Veterinarian, Ehlers Animal Clinic

“It’s the people at a bank that make the difference. The folks at NBC go out of their way to help you resolve an issue, whatever is needed. They’ve been very flexible with us, even with the non-standard things we need as a nonprofit. We can always get ahold of someone if we have an issue and knowing we can count on them is really reassuring.”

Dawn Rockey

Executive Director, CASA for Lancaster County

“We’ve done our personal banking with NBC for generations – my parents banked with NBC for years, and we trust them. When COVID hit, I asked them for advice, and even though they didn’t have my business account, they did everything they could to help me. They’re like a small-town bank where people know you, but with the convenience and options of a bigger bank.”

Kelly Kiihne

Personal Banking Customer and Owner, Kelly’s Kids Daycare

Summary of Job Responsibilities:

Responsible for providing credit analysis for the lending activities of NBC. Responsible for development and maintenance of commercial relationships within an individual portfolio. Exercises supervisory authority and is responsible for training credit analysis. Provides analytical services in the administration of loan accounts. This individual manages a portfolio of loans that meet established lending requirements which provide maximum profitability in commercial and/or real estate loan relationships. This position may be responsible for data collection, analysis, and/or reporting for monthly/quarterly/annual board reports, and risk management of total loan portfolio with training or approval.

Essential Functions and Job Responsibilities:

Credit Analysis: Underwrite, analyze, and prepare presentations for loans. Assist in negotiating loans and structuring presentations. Analyze the credit and collateral aspects of business and individual loans both secured and unsecured. Monitor loans to ensure proper documentation with respect to items such as periodic calculation of ratios to determine financial covenants. Assist with annual account reviews and ticklers. May monitor loan repayment activities.
Supervisor: Responsible for hiring, training, and supervising department personnel. Review subordinate(s) work and delegate duties. Effectively track staff performance and goals by providing ongoing coaching and feedback to include performance evaluations. Coach direct reports with balanced feedback on a regular basis. Coordinate workflow of the department between lenders, credit analysts, and loan administration. Act as a technical resource and provide appropriate guidance regarding matters related to the lending operations. Oversee daily report review and balancing.
Commercial Relationships: Develop and maintain commercial relationships to include all aspects of commercial customer account needs. Develop and manage loan accounts as part of a substantial and growing loan portfolio. Prepare loan presentations and approve loans up to stated lending limit and in general, handle the loans of the Bank. Assist with documenting loans to ensure complete loan files are maintained; work with customers and loan accounting/payment issues as needed. Monitor loan repayment activities and take necessary action to collect past due accounts.
Loan Processing: Assist as available in processing loan payments, loan draws, participation payments and advances, paid loans files, and release of collateral. Responsible for daily balancing of the general ledgers, reviewing of daily reports and monthly certifications. Provide efficient, and accurate service in processing and resolving inquiries with a focus on serving the customer and proactively anticipating customer needs.
Inspections: Assist in collateral inspections including but not limited to commercial real estate properties and single-family residences. Also assist in documenting values of subject properties.
Personal Commitment: Demonstrate commitment, dependability, and respect for the team with regular and predictable attendance, punctuality, and agreed-upon schedule of availability. Project a professional image in attire, manner, communication, and focus.
Systems: Utilize Microsoft Office, and WebEquity software to analyze financial information and form objective opinions in identifying strengths and weaknesses on each credit.
Administrative: Participate in loan meeting discussion of credit structure and financial analysis and other applicable meetings and trainings. Collect information in a variety of methods, including inspection of the applicant’s business and/or collateral, review of financial reports, personal interview, etc. Establish and negotiate where necessary, the terms under which credit will be extended, including the costs, repayment method and schedule, and collateral.
Training: Expected to attend and participate in ongoing training and meetings.
Other duties as assigned.

Core Competencies/Qualifications

Bachelor’s Degree in accounting, finance, economics and/or business administration. Relevant work experience will be taken into consideration.
Prior experience in credit analysis preferred.
Possess analytical skills necessary to assess and evaluate areas of responsibility including determination of loan risk involved and recommendation of credit limitations.
Understanding of financial data such as cash flow, balance sheet and collateral dynamics of customers’ properties and geographic area.
Ability to work accurately and independently, while seeking advice under the appropriate conditions.
Proactive and responsive with a high level of accuracy, attention to detail, and excellent follow through.
The ability to prioritize using effective time management and organizational skills in a fast paced, deadline-driven environment.
Experience with Window-based computer programs, including Excel.
Ability to communicate verbally and in writing effectively and professionally at all levels of the organization and in the community.
Must possess a “can do” customer service attitude/philosophy.
Comply with all requirements, policies and procedures of the Bank Secrecy Act (BSA) and attend all mandatory BSA training as needed for this position.

Working Conditions/Physical Demands:

The environment for this position is an office-type setting that is mostly clean and comfortable. Little discomfort caused by such factors as noise, heat or dust. The incumbent in the course of performing this position spends time writing, typing, speaking, listening, lifting (up to 20 pounds), carrying, seeing (such as close, color and peripheral vision, depth perception, and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching.

The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. Further, they do not establish a contract for employment and are subject to change at the discretion of the employer.

Last Revision Date: 08/2025