Credit Analyst

Job Description

The Middlefield Banking Company is a full service FDIC-insured commercial bank and LPL Financial® brokerage headquartered in Middlefield, Ohio. We have 21 branches serving Beachwood, Chardon, Cortland, Dublin, Garrettsville, Mantua, Middlefield, Newbury, Plain City, Powell, Orwell, Solon, Sunbury, Twinsburg, Westerville, Bellefontaine, Marysville, Ada, and Kenton. The Bank also operates a Loan Production Office in Mentor, Ohio.

Dating back to 1901, The Middlefield Banking Company has been a leader in delivering quality personal financial service to its communities. We are continually recognized as one of the most profitable community banks in the U.S. If you are you seeking an opportunity to learn more or have a desire to start or advance your career in the banking industry, the Middlefield Banking Company is looking for enthusiastic team members to join our team!

We are currently seeking a Credit Analyst, to join our Credit Department. In this position you will be responsible for analyzing credit data in order to estimate degree of risk involved in extending credit or lending money to firms or individuals. The incumbent in this position may work independently or within a team.

Responsibilities:

Preparing financial statement spreads and complete/distribute Statement Spread Review Checklist.

Preparing financial statement spreads and complete written financial statement analysis including evaluation of cash flow and collateral for annual review documents for presentation to Credit Manager.

Facilitate the timely work flow of the documents mailbox.

Facilitate the timely work flow of the borrowing base mailbox.

Facilitate timely measurement of covenant compliance on credits that do not receive annual reviews.

Update tickler and covenant tracking based on above activity.

Ensures compliance with all Bank policies and procedures, as well as, all applicable State and Federal banking regulations.

Requirements & Qualifications:

A Bachelor’s Degree with a concentration in accounting or finance, preferred

Three (3) years of Banking experience

Requires ability to work with mathematical concepts such as ratio and trend analysis

Proficient in Microsoft Excel and Word

Must possess organizational and time management skills

Ability to work with minimal supervision

Highest level of integrity and ethics

Background Check and Credit Check Notice: As part of our standard hiring process, The Middlefield Banking Company conducts background checks and credit checks on all potential employees. This is done to ensure the safety and security of our workplace, as well as to assess an individual’s eligibility for certain roles that require financial responsibility. Any job offer made will be contingent upon the successful completion of these checks.

The Middlefield Banking Company is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, pregnancy, veteran status or any other protected characteristic as outlined by federal, state, or local laws.

Full-time