8 Credit Analyst I (34565) Jobs in Eau Claire, WI
Security Financial Bank is Hiring a Credit Analyst I (34565) Near Eau Claire, WI
The ideal candidate will be self-motivated and have a bachelor's degree in finance, accounting or a related field and a background in commercial or agricultural analysis is desired. The credit analyst works independently alongside members of the team and must demonstrate strong communication skills, attention to detail, and the ability to operate with a high-level of accountability.
Who We AreSFB is an $850 million independent community bank focused on business, agriculture, and the insurance industry. SFB started in 1934 in Durand, Wisconsin and has been a staple in the communities we serve. Now with eight branch locations and more than 140 employees, SFB continues to grow while maintaining to be a trusted financial resource through the dedication of our team members and the support of our clients and communities.
We hire people who have a great attitude, possess valuable knowledge, and work together as a team. SFB is a growing bank, providing our employees with opportunities for advancement and development.
What We Offer
- Competitive wages
- A hybrid work environment for positions that qualify
- Wide selection of insurance coverages
- 401k match
- Company-wide bonus plan
- Paid time off (PTO)
- Paid volunteer time
- Eight paid holidays
- Spread and analyze commercial and agricultural financial information to ascertain overall credit risk through the input of data into spreadsheets and/or analysis software in an accurate and timely manner.
- Prepare loan presentations, as assigned, in the appropriate format. To do so, the analyst must:
- Understand and utilize industry metrics to compare performance and risk status
- Analyze proposed collateral structures and values
- Assist in determining the proper structure of the credit to mitigate unnecessary risk and safeguard the bank's asset quality
- Pursue continued research and education in the commercial and agricultural industries to achieve a high level of knowledge and understanding of current and future SWOT (Strengths, Weaknesses, Opportunities, & Threats) matters and how the bank's customers and loan portfolio may be affected by such environments
- Provide Relationship Manager (RM) support through assistance with technical exception monitoring and the collection of proper supporting information. Work with RMs and Bank Coordinators to complete timely annual reviews and process adverse actions as needed.
- Pursuit of continued research and education in what distinguishes strong companies or industries from weak companies or industries.
- Other duties as assigned.
- Bachelor's degree in Business Finance of Accounting related studies is preferred
- Commercial or agricultural analysis background is desired
- Working knowledge of financial accounting with the ability to spread and analyze financial statements, cash flows and tax returns from companies (including farms and agricultural related) and individuals with moderate to complex structures to determine debt serviceability and credit worthiness.
- Understanding of company formation structures with ability to identify borrowing and guaranty structures.
- Understanding of loan structures including commercial, agricultural, commercial/agri real estate, consumer and residential mortgage.
- Knowledge of how credit requests affect other bank departments, such as Loan Processing and Credit Administration.
- Knowledge of credit investigations for companies and individuals including credit bureau reports, UCC filings, tax liens and other search tools.
- Solid understanding of market dynamics and economics.
- Ability to interact with customers and employees with tact, diplomacy, and confidentiality.
- Well-organized with a strong attention to detail.
- Strong communication skills, both written and verbal.
- Proficient in software, Word, Excel, spreadsheet software and use of a financial calculator with strong math proficiency.
- Knowledge of the Jack Henry core system and SageWorks analysis software is a plus.
- Internal/External human relations skills.
- Ability and willingness to be a team player.
- Ability to work independently.
- Self-starter.
- Knowledge of Bank regulatory procedures and regulations.
- Sound judgement and decision-making abilities.
- Compliance with regulatory requirements
- Successfully direct workflow in the department to utilize staff efficiently and ensure minimal backups of work
- Work is performed largely within the Bank with a limited chance of personal injury. Prolonged and frequent mental and visual concentration required. Periodic stressful situations in response to multiple priorities within established deadlines. Work hours are generally during normal business hours. Unscheduled evening and weekend work may be needed to meet the needs of customers and employees.
- Occasional travel between offices and out-of-town/overnight business travel may be required.
- Must be able to lift and move up to 20 pounds of office supplies and equipment. Some bending, turning and twisting required.
This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.
Security Financial bank is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities.
Job Summary
Full Time
Banking
$51k-64k (estimate)
05/27/2024
07/20/2024
sfbank.com
RIVER FALLS, WI
25 - 50
1934
LYNN EMBRETSON
$10M - $50M
Banking
Related Companies
About Security Financial Bank
Security Financial Bank is a local, independent community bank, specializing in business, insurance agency and agricultural banking services. SFB has locations in Bloomer, Durand, Eau Claire, Ladysmith and River Falls, Wisconsin. Member FDIC
The job skills required for Credit Analyst I (34565) include Analysis, Financial Statements, Accounting, Presentation, Credit Risk, Tax Return, etc. Having related job skills and expertise will give you an advantage when applying to be a Credit Analyst I (34565). That makes you unique and can impact how much salary you can get paid. Below are job openings related to skills required by Credit Analyst I (34565). Select any job title you are interested in and start to search job requirements.
The following is the career advancement route for Credit Analyst I (34565) positions, which can be used as a reference in future career path planning. As a Credit Analyst I (34565), it can be promoted into senior positions as a Credit Analyst III that are expected to handle more key tasks, people in this role will get a higher salary paid than an ordinary Credit Analyst I (34565). You can explore the career advancement for a Credit Analyst I (34565) below and select your interested title to get hiring information.
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