What are the responsibilities and job description for the Credit Analyst position at Citizens Community Federal?
Description
CCFBank is currently searching for a Credit Analyst to join our team! Are you ready to provide the highest level of service to internal and external customers? As a Credit Analyst, you would be responsible for analyzing credit information for current and potential borrowers, determining the advisability of granting credit for diversified types of loans, assisting loan officers in writing loan requests, and promoting business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.
The ideal candidate is a collaborator who works well in a team environment and can communicate with colleagues from various departments. Bonus points if you're community focused and excited about making a positive difference for those around you.
Primary Responsibilities
- Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
- Gathers data from customers, internal and external sources; prepares spreadsheets and analyzes financial information including financial statements and tax returns; obtains additional information and clarification of data.
- Compiles data from credit bureaus, conducts industry peer comparisons, and performs cash flow analyses and other such tasks and comparisons.
- Obtains sufficient information and/or documentation from banker.
- Verifies collateral and lien position
- Communicates with Ag/Commercial Bankers when working credits, spreads, and ticklers
- Updates and corresponds with special assets department on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
- Performs annual reviews on credit portfolio to establish trends ensuring proper risk rating.
- Compiles credit action presentation complete with accurate financial data and detailed narrative to aid in the credit decisioning process
Education and Experience
- Associate's degree in accounting, finance, or related field.
- One year credit analyst experience.
- Proficient computer skills using Microsoft Word, Microsoft Excel, PowerPoint, and Access.
- In evaluating candidates for this position, CCFBank may consider a combination of education, training, and experience which provides the necessary knowledge, skills, and abilities to perform the duties of this position.
What's in it for you?
- Full Time, 40 hours per week
- Monday - Friday work week
- Competitive pay
- Eligible for an annual bonus
Perks:
- Health, Vision & Dental Plans
- Health Savings Account (HSA) with CCF Contributions
- Health Reimbursement Arrangement
- Flexible Spending Accounts
- Employer Paid Life Insurance and Long-Term Disability Plans
- Voluntary Life Insurance and Short-Term Disability Plans
- Accident and Critical Illness Plans
- Hospital Indemnity
- 401K Retirement Plan and Company Match
- Paid Time Off, Bereavement Leave, and Paid Holiday: Rest, recharge, and celebrate your loved ones.
- Parental Leave
- Company-Wide Wellness Program
- Employee Achievement Program (Counseling and Professional Coaching)
- Colleague Referral Program
- Professional Development Reimbursement Program
- Career Planning
- Colleague Pricing on Secondary Market Mortgage Loans
- Colleague Beyond Save & Spend Accounts Perks
What can you expect from us?
At CCFBank you are more than just a number, you are a partner to our team. We are dedicated to investing in our colleagues and providing them with tools they need to grow and develop their careers.
We prioritize the needs of our community by allocating resources and encouraging colleague involvement across the regions we operate in. We are proud to be a part of our local communities, and we look forward to continuing to support and serve them. Learn more here about how we make more possible: https://ccf.us/careers/
Ready to be part of our financial community? Apply online at ccf.us!
If you need assistance applying, contact us at HR@ccf.us and we will attempt to meet your needs.
In evaluating candidates for this position, CCFBank may consider a combination of education, training, and experience which provides the necessary knowledge, skills, and abilities to perform the duties of this position.
CCFBank is committed to fostering and cultivating an inclusive and diverse culture and we are proud to be an Equal Opportunity Employer, including disability and veterans.
Citizens Community Federal is an equal employment opportunity employer and will give all qualified applicants consideration for employment without regard to race, color, religion, sex, national origin, disability status, sexual orientation, protected veteran status or any other characteristic protected by law.