Career Opportunities

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Job Title:           Credit Analyst

Reports To:       Senior Credit Analyst

Department:      Credit

Date:                Flexible

Description/Job Summary

The position is entry-level and the first step in a career in commercial lending and/or credit risk. The incumbent will perform financial analyses of new and existing commercial loan customers in order for the bank to make informed lending decisions, complete periodic reviews of existing relationships, and be involved in other various assignments related to the management and evaluation of risk related to the bank’s lending activities. They will report to the bank’s Senior Credit Analyst and work closely with commercial loan officers.

Key Program Components

• Mentoring with experienced bankers throughout key areas of the bank
• Project management
• Professional development and career guidance

Essential Duties and Responsibilities

• Spreading financial statements of commercial borrowers including balance sheets, income statements, and tax returns to facilitate credit analysis
• Perform financial analyses of commercial borrowers by evaluating liquidity, leverage, and profitability of potential loan customers in order to evaluate credit worthiness along with the analysis of collateral and the financial capacity of individual and corporate guarantors
• Prepare credit approval memorandums in order to provide management with necessary information in order to make informed lending decisions
• Complete periodic reviews of existing loan portfolio for asset quality
• Assist Senior Credit Analyst with the preparation of reports for management and board usage
• Other duties as assigned

Skills

• Requires excellent verbal and written communication skills, effective listening and interpersonal skills, and attention to detail
• Requires proficiency with Word and Excel
• Time management, problem solving, and organizational skills
• Ability to read and interpret financial statements including income statements, balance sheets, statements of cash flow, and statements of equity
• Ability to work within strict time constraints and handle multiple tasks simultaneously
• Ability to maintain confidentiality
• Ability to function as a team player

Education and Experience

• College Degree in Finance, Business Administration, Economics, Accounting, Management or related area
• 12 hours of accounting preferred

Please either upload your resume into the submission area below, send it to Will Carpenter                                     (wcarpenter@grandviewbank.com) or send to info@grandviewbank.com. 

The above statements describe the general nature and level of work being performed.  They are not to be construed as an exhaustive list of all responsibilities, duties or skills required for the position. Employees holding this position will be required to perform any other job-related duties as requested by management.  All requirements are subject to possible modification to reasonably accommodate individuals with a disability.

Job Title:        Deposit Operations Clerk

Reports To:   VP – Deposit Operations

Department:   Deposit Operations

Basic Function

This position falls within Deposit Operations, the operational unit is primarily responsible for:

• Fed & ACH Processing
  • Exception item processing, including the handling of unposted items, NSF/Overdraft items, and stop payments
  • Check adjustments & chargebacks
• Debit cards - customer service, disputes, and compromised cards

• Ensure compliance with Regulation E and/or Visa Zero Liability timeframes for communication with customers, provisional credit, final resolution
• Research fraud claims relating to ACHs and/or Checks
• Process incoming/outgoing wire requests promptly

• Account research

• Account holds, levies and/or freezes

• ATM reconcilement
• Customer Service inquiries/calls
• Online Banking – Password resets

Required Skills

• Mental concentration is required to perform concurrent tasks and meet deadlines while tolerating frequent interruptions
• Accuracy and attention in fast paced environment
• Time management

• Good written and verbal communication skills
• Must exhibit a high level of integrity and exercise good judgement.

Education and Experience

• Requires high school diploma or equivalent.
• 1-2 years banking experience preferred.

Please either upload your resume below or send it to Michelle Clark at mclark@grandviewbank.com. Resumes can also be sent to info@grandviewbank.com.

The above statements describe the general nature and level of work being performed.  They are not to be construed as an exhaustive list of all responsibilities, duties or skills required for the position. Employees holding this position will be required to perform any other job-related duties as requested by management.  All requirements are subject to possible modification to reasonably accommodate individuals with a disability.