[Join a dynamic and experienced team on the vibrant border of Toledo and Sylvania, Ohio. Elevate your career as a Credit Analyst and contribute to a company culture that prioritizes superior service and continuous growth. This is your chance to elevate your professional trajectory in an environment that stands out from the rest and make your mark!]{times="" new="" roman";="" font-size:="" 11pt"=""}

　　[Enjoy a package of enticing benefits, including a competitive salary, an annual bonus, 401k Safe Harbor bank contribution and match, stock options, annual profit sharing, and comprehensive health benefits.]{times="" new="" roman";="" font-size:="" 11pt"=""}

　　[Our Toledo Office, conveniently located at 3900 N McCord Rd., offers quick access to Highway I-475 and is just minutes away from the bustling restaurants and shopping havens of Downtown Sylvania and Central Avenue.]{times="" new="" roman";="" font-size:="" 11pt"=""}

　　[Immerse yourself in a positive and professional work atmosphere, setting the stage for the next exciting chapter of your career journey! Dive into the job description below and seize the opportunity by applying today!]{times="" new="" roman";="" font-size:="" 11pt"=""}

　　[* *]{times="" new="" roman";="" font-size:="" 11pt"=""}

　　[**Job Description

　　Title:**    Commercial Credit Analyst]{times="" new="" roman";="" font-size:="" 11pt"=""}

　　[*Department:  * Commercial]{times="" new="" roman";="" font-size:="" 11pt"=""}

　　[*Reports to:     * Senior Vice President Credit]{times="" new="" roman";="" font-size:="" 11pt"=""}

　　[*Summary:      * ]{times="" new="" roman";="" font-size:="" 11pt"=""}

　　[Responsible for implementing sound credit administration procedures throughout the bank to ensure full and appropriate use of bank resources consistent with goals and objectives.  Acts as an information resource and provides technical support regarding financial analysis, loan structure, pricing, collateral/credit documentation, appraisal requirements and problem loan identification. ]{times="" new="" roman";="" font-size:="" 11pt"=""}

　　[*Essential Duties and Responsibilities:*]{times="" new="" roman";="" font-size:="" 11pt"=""}

　　[Performs credit analyses on existing clients and prospects including a description of the company, detailed performance trends, salient issues, and credit worthiness, collateral analyses, debt service or fixed charge coverage analysis, and strengths and weaknesses.]{times="" new="" roman";="" font-size:="" 11pt"=""}

　　[Maintains ongoing reviews of credit quality through a review of periodic financial statements and collateral valuation.]{times="" new="" roman";="" font-size:="" 11pt"=""}

　　[Maintain and update tracking reports periodically to make sure loans adhere to policy.]{times="" new="" roman";="" font-size:="" 11pt"=""}

　　[Take minutes for Directors Loan Committee.]{times="" new="" roman";="" font-size:="" 11pt"=""}

　　[Serves as liaison for Waterford Bank with other banks on participation transactions.]{times="" new="" roman";="" font-size:="" 11pt"=""}

　　[Continuously work with bank senior management to ensure efficient credit analysis and optimal procedures.]{times="" new="" roman";="" font-size:="" 11pt"=""}

　　[Engages appraisals and conducts appraisal reviews.]{times="" new="" roman";="" font-size:="" 11pt"=""}