Credit Administration SupportThis position is responsible for supporting the credit administration function of the bank through input and analysis of financial information, credit memo production, covenant tracking and the annual review process.Specific Job FunctionsStrategic ObjectivesReviews, executes, and practices objectives within SFSB's Strategic Plan.Specific Job DutiesPerforms credit analysis on commercial loan requests under direction of Commercial Credit Manager.Completes applicable sections of commercial loan request memos.Inputs financial information into the credit origination system.Requests additional information from commercial development officers as needed to complete analysisIdentifies risks and performs trend analysis to support commercial credit originations and renewals.Helps ensure the bank is taking prudent risk on commercial loans.Supports the annual review of major borrowersSupports the covenant tracking process and completes analysis of interim financials as needed.Other duties as assigned by management or direct supervisorBuilding Customer RelationshipsActively participates in local business and community activitiesPromotes a favorable image of the bank in all business activities within the community.Makes calls on new or existing customers with commercial development officers as needed to understand loan requestsSupports the bank's strong relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge.CommunicationMust be able to communicate thought clearly, both orally and written.Must be able to communicate throughout all levels of the organization.Reports at internal Branch meeting monthly.Participates in monthly branch staff meetings.Communicates with Branch staff regularly.CompliancePresent and review loan requests, as defined by the loan policies, with directives for the consideration and approval or rejection.Responsible for knowing and complying with all Bank policies and procedures that apply to the position.Responsible for knowing and complying with all Federal Regulations and bank policies/procedures that apply to position, including the BSA/AML/OFAC and CIP Program.Additional ResponsibilitiesParticipates on SFSB's assigned committees.Coordinates PTO days with supervisor to ensure department is adequately staffed at all times.Answers phone as needed.Performs other duties as directed by supervisor.RequirementsHigh school diploma or equivalentBachelor's Degree preferred but not requiredExperience and working knowledge of the banking industry, rules, and regulations preferred but not requiredMust possess verbal and written communication skills to effectively communicate with staff and managementMust have good analytical and organizational skills and be able to support and maintain strong and positive working rapport with various Bank departmentsExceptional knowledge of arithmetic and its applications. Use mathematics to solve problemsBasic accounting knowledge preferred but not requiredAbility to define problems, collect data, establish facts, and draw valid conclusions.Working knowledge of Microsoft Office products, including (but not limited to) Excel, Word, PowerPoint, and OutlookMust be able to use internet and business applications that require use of internetSuccessful completion of in-house training programsExceptional customer service and professional skillsStrong telephone skillsAbility to multi-task, work independently, delegate, and make decisions