Credit Analyst I

Bank of Bird-in-Hand is built on integrity, excellence, and teamwork. If you identify with these values and are looking for a career where you can put them into practice, consider applying to one of our open positions.When you join the Bank of Bird-in-Hand team, you’ll be appreciated and celebrated for who you are every day.Bank of Bird-in-Hand is actively seeking a Credit Analyst I to join our team in Paradise, PA. This role is responsible for evaluating and determining the credit risks of commercial and agricultural borrowers through detailed analysis.Responsibilities:Review all pertinent credit and financial information, including but not limited to, tax returns, financial statements, projections and other credit and financial data sources.Develop, prepare and review monthly and quarterly Management and Board reporting related to Loan Portfolio and Credit Quality.Determine the need for more thorough investigation or additional information.Analyze financial statements and related materials.Prepare summary, present facts, and offers opinions concerning creditworthiness.Gain familiarity with Bank Credit Policy, and other lending practices, to recommend an overall risk rating to the credit requests and loan relationships.Assist in monitoring credit compliance by verifying adherence to the Commercial/Agricultural Credit Policy and Consumer Lending Policy along with commenting on any risk associated with non- compliance.Assist with the annual renewals of credit lines and relationship reviews.Develops credit analyses for use by Lenders in the making of lending decisions on new credit approvals and renewals.Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.Preferred Skills:Working knowledge of personal computers and related software programs.Qualifications:Bachelor’s degree in accounting, finance, economics OR in lieu of a degree, a minimum of 4 years closely applicable work experience.Here at Bank of Bird-in-Hand, we have a comprehensive benefit package for those who qualify. Below are the range of benefits we offer to meet the needs of our employees:Competitive Medical, Dental, Vision Coverage401(k) Retirement Plan with 4% MatchCompany Paid Life, STD, and LTDHealth Savings Account (HSA) & Flexible Spending Account (FSA) optionsPaid Time Off (PTO), Volunteer Time Off (VTO), and Birthday PTO12 Paid HolidaysTuition ReimbursementCompany Events and PicnicsEqual Opportunity EmployerNo employee or applicant for employment will be discriminated against because of race, color, religion, sex, national origin, disability, military and/or veteran status, or any other Federal or State legally protected classes.