Credit Clerk evaluates and suggests creditworthiness of prospects and customers to decrease financial risk to the organization. Checks credit applications and grants approval within established guidelines for organizations or individuals. Being a Credit Clerk communicates with the customers and other departments to solve the credit problems. May negotiate terms of payment to assist with collection of overdue balances. Additionally, Credit Clerk requires a high school diploma or its equivalent. Typically reports to a supervisor or manager. The Credit Clerk possesses a moderate understanding of general aspects of the job. Works under the close direction of senior personnel in the functional area. May require 0-1 year of general work experience. (Copyright 2024 Salary.com)
Business Services Credit Analyst
Business Services Department
Position Summary
The Business Services Credit Analyst will assess the overall creditworthiness of moderate to complex business loans requests, including Commercial Real Estate (CRE), Commercial and Industrial (C&I), SBA loan programs, and other collateral secured loans. This position involves evaluating risk, making credit recommendations, and structuring loans based on comprehensive analyses of cash flows, collateral, borrowers, guarantors, and tenants. Supports Business Services Department in maintaining high quality loan portfolios by actively managing risk and identifying business opportunities through partnerships with Relationship Managers, Portfolio Managers, and other team members.
Essential Duties and Responsibilities
Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
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.
Minimum Qualifications
Do you want to be valued as an employee?
Employees are Meriwest’s most valuable resource. We provide competitive wages and a supportive environment that promotes career advancement. Meriwest utilizes a grading system to determine salary ranges for all positions. Each grade is assigned a salary range which consists of a minimum, midpoint, and maximum rate. The Business Services Credit Analyst position is a Grade 12.
*The target range for entry in a new position is between the minimum and midpoint of the range, depending on experience and qualifications.
We also offer an excellent, fully comprehensive benefits program, including:
Meriwest is an equal opportunity employer that is committed to inclusion and diversity. All qualified applicants will receive consideration for employment. We do not discriminate based upon race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, genetic information, political views or activity, or other applicable legally protected characteristics.
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