Peoples Exchange is built on tradition, service and trust. Since the first meeting of original charter board members, we have been locally owned and operated. Our founders set high standards of excellence for our organization, our operations, and our people for over 100 years. We have always been proud to be a pioneer in our marketplace by offering banking products and services to benefit our friends in the communities we serve. As times change, so do the needs of our customers. Peoples Exchange will offer top notch customer services maintaining our hometown, friendly service that our customers have grown to expect.

Peoples Exchange Bank is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, genetic information, disability, or veteran status. We are committed to providing a workplace that is based on merit and qualifications. 

Role:

To prepare a clear and concise presentation for discussion and approval by analyzing various financial data provided by the applicant or existing borrower. Specifically, the Credit Analyst looks at source documents provided by the applicant to determine the ability to repay a new or existing debt. New loan requests will generally take priority, but there will be a focus on Annual Reviews of credits > $500,000 for the Credit Analyst I.

Essential Functions & Responsibilities:

Completes annual reviews for large loan relationships based on the tiered system defined in the Lending Policy. This includes performing an ongoing credit analysis to determine if the current credit risk of the relationship.

Scans and uploads all bank-wide financial documents for commercial and consumer loan requests with the exception of consumer mortgages. Works with lenders and assistants to retrieve any missing financial data needed for uploading to the bank’s core software.

Evaluates loans for credit risk according to predetermined factors, such as geographical location, type, and amount of loan; records data on work sheet, including purpose of loan, balance, and repayment terms; assigns risk rating, indicating borrower's financial strength and probability of loan repayment.

Assist lenders by analyzing financial data and communicate financial facts, interpretations, and projections verbally and in writing. Reminding lenders of missing financial documentation to complete spreads. Identifies potential problem loans and describes deficiencies.

Written evaluation of information to determine whether the request is within policy, if loan is in compliance with banking regulations, and if required documents have been obtained.

Assists in regulatory, external/internal audit, and interdepartmental needs. Performs other duties as assigned.

Employees must be able to pass the following pre-screening:Credit Screening – The credit screening includes a credit history check, financial fitness check, and other non-specified criteria to confirm eligibility for a position. 

Background Screening - The background screening process includes a review of all federal and state civil and criminal charges for all locations you have lived at within the last seven years.

Drug Testing – The drug test will be a urine test. We check for a number of substances including Marijuana.

Employment and Education - The bank may also investigate the employment and education background of an employee. We reserve the right to deny or terminate employment based on the results of that review.