Credit Analyst 

DEPARTMENT: Commercial Lending Department REPORTS TO: Commercial Underwriting Supervisor

SUPERVISES: None FLSA STATUS: non-exempt STATUS: Full time, Regular

LOCATION: Evansville Region *Incumbent may be assigned and re-located to a branch within the Region as staffing and business initiatives dictate.HOURS: Monday through Friday 8 am – 5 pm*Over-time may be required if business and staffing needs dictate.

First Federal was established on Evansville, Indiana’s Westside in 1904 and is a community bank currently serving communities in the tri-state area with several branch locations in Posey, Vanderburgh, Henderson, Warrick, Daviess and Pike Counties.

Full-time employees of First Federal are offered a comprehensive benefit package including Paid Time Off, up to 11 paid Holidays, 401k, ESOP, company paid Disability and Life insurance and Health and Wellness Options including Medical, Dental, Vision, Life and Supplemental Insurance. Our Part-time employees are eligible for up to 11 paid Holidays and can choose to enroll in Dental, Vision and Supplemental Insurance, and participate in clinic healthcare services.

Aside from that, all employees can expect to receive discounted bank services such as free checks, discounts on loans, waived processing fees and much more.

Diversity and Inclusion

First Federal is committed to creating an inclusive work environment where business results are achieved through the skills, abilities and talents of our diverse workforce.

At First Federal, individuals are respected for their contributions toward our company objectives. We strive for an inclusive work environment across all levels that is reflective of the available workforce in the communities we serve.

POSITION SUMMARY: Conduct thorough analysis for commercial credits that are submitted by commercial lenders. Use financial knowledge to accurately spread financials and determine appropriate risk grades for loans. Assess overall risk in regards to cash flow, collateral, and experience of a borrower. Properly aide the senior loan committee by answering any questions on a loan request for proper approvals/denials to be made. Continually monitor relationships by analyzing financials that are sent in during the life of the loan. Individual in position responsible for being knowledgeable about all BSA related functions.

ESSENTIAL DUTIES AND RESPONSIBITIES:

• Spread and analyze financial statements
• Input and organize information into the loan application software
• Analyze collateral for accuracy and properly value
• Review loan applications for an accurate loan purpose and structure
• Prepare credit write-ups for the loan presentation
• Properly risk rate loans before approval
• Monitor follow-up on financial statements
• Order credit reports

KNOWLEDGE, SKILLS AND ABILITIES:

• Ability to analyze financial statements and calculate ratios
• Ability to analyze personal and business tax returns
• Interpersonal skills in dealing with internal/external customers
• Attention to detail
• Self-starter who can work with minimal supervision
• Ability to work under deadline pressure
• Knowledge of Microsoft Word and Excel programs

COMPETENCIES NECESSARY TO BE SUCCESSFUL IN THIS POSITION:

• Customer Focus (internal and/or external): Always acts with the customer in mind. Dedicated to meeting the customer’s needs and expectations. Works with the customer to understand and uncover their issues and/or needs. Interacts with customers in a courteous, professional and knowledgeable manner. Gains customer’s trust and respect by establishing and maintaining relationships. Conduct all company transactions and interactions in an honest, professional and ethical manner. Remains composed and does not become defensive or show irritation when confronted with disgruntled customers. Cultivates a customer focused attitude.
• Job Knowledge: Understanding and proven experience of job responsibilities. Ability to make sound decisions drawing on knowledge and experience. Capable of analyzing and resolving customer or work related issues. Perceived by customers and co-workers as a skilled problem solver, knowledgeable, and a valuable business resource. Mentors others on how to exhibit functional knowledgeable and skills. Initiative exhibited with growing own knowledge, skills and leadership. Understanding of current bank technology and initiative in learning new bank technology.
• Accountability: Understands objectives, priorities, and critical performance measures required to meet customer and company goals. Stays abreast of own performance and manages performance to achieve expected results. Keeps management informed of progress, issues and potential roadblocks in reaching goals. Actively seeks out feedback on own performance from customers, peers, and company management to identify and address areas of individual weakness that may affect department and company performance.
• Decision Quality: Demonstrates good judgement. Makes timely, effective decisions without avoidance. Makes use of analysis, wisdom, experience and judgement. Has a track record of good sound decisions. Can cope with change and shift gears comfortably. Does not become agitated when aspects of a situation are unclear and need to be researched further or looked to another for direction.
• Integrity: Widely trusted as a direct, honest person who can present the truth in an appropriate and helpful manner. Keeps confidences, and owns up to mistakes. Consistently act with a high degree of professionalism and ethics. Keeps commitments. Conveys credibility, trustworthiness, and good judgment when making suggestions. Genuinely concerned for people, treating everyone with dignity and respect. Always a professional, representing the company in the best possible manner in speech, dress, and conduct.
• Initiative: Demonstrates initiative by looking for, and suggesting solutions to problems without coaxing. A self-starter continually looking for ways to improve his/her effectiveness. Proactively involves appropriate individuals to resolve issues in a timely manner. Ability to work with minimum supervision or direction. Willingness to seek out and take responsibility for additional work assignments. Resist getting stale; committed to personal and professional development; self-directed in pursuit of resources that assist continuous learning. Supports innovation and organizational improvement initiatives. Works to implement organizational change. Acts as a champion for change by encouraging peers to embrace change initiative.
• Quality/Quantity of Work: Manages priorities and spend time on the most important issues a hand. Eliminates roadblocks and distractions; remains focused. Adapts priorities to changing circumstances. Produces acceptable amount of work within established time limits. Maintains a high quality of work as quantity increases. No unnecessary, repetitious, and/or unacceptable levels of errors with work. Produces and maintains required, compliant and accurate work. Is thorough in review of their work. Looks for ways to continually improve productivity. Adjust workflows and prioritizes tasks. Is resourceful in resolving issues.
• Adherence to Policies & Procedures: Demonstrates positive commitment to company’s goals, initiatives, policies and procedures through communication and actions. Compliant with maintaining customers, company and employee's confidential information. Uses good judgement in seeking guidance on a company policy or procedure. Honesty and integrity in handling all company, customer and employee related issues.
• Interpersonal Relationship: Ability to communicate clearly, accurately, concisely, and compelling to diverse personalities, on all levels, in both verbal and written communication. Ability to adapt communication methods based on situations and personalities. Ability to present to customers, co-workers and management with poise, authority, and clarity and to respond appropriately to questions, objections, or challenges. Strives to understand others’ issues, opinions, and needs. Works to establish lasting professional relationships and earn the respect and trust of customers, co-workers and management. Meets commitments and follows through as expected. Resolves conflicts with others in a respectful, responsible and constructive manner. Shares thoughts, feelings, and rationale so that other understand your position. Remains composed and does not become defensive and/or irritated when confronted with adversity. Is receptive to and implements suggestions for improvement. Demonstration of commitment to the directive of the organization by actively and positively supporting management decisions.

ADA REQUIREMENTS: Work is performed in an office setting; Sitting for long periods of time; May be required to lift items weighing up to 25-lbs. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

EQUAL EMPLOYMENT OPPORTUNITY POLICY: First Federal Savings Bank is proud to be an Equal Employment Opportunity and Affirmative Action employer. We are committed to providing equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

* This job description may not be all-inclusive. Employees are expected to perform other duties as assigned or directed by management. Job descriptions will be reviewed and may be modified when deemed appropriate by management. As business needs and staffing needs change, all positions at First Federal Savings Bank/Home Building Savings Bank are reviewed. Employee may be moved for business purposes to sustain business and staffing demands