What are the responsibilities and job description for the Sr. Credit Analyst position at Citizens Independent Bank?

Job Description

At Citizens Independent Bank, we believe in the power of community and the importance of building meaningful relationships. Our commitment to providing exceptional customer experiences is at the heart of everything we do, ensuring that every interaction is personal and impactful. We are dedicated to the growth and development of our employees, offering opportunities for training and advancement in a collaborative, supportive environment. If you're passionate about making a difference in your community and helping others thrive, we invite you to explore a career with us. We are seeking a Sr. Credit Analyst to join the CIB Team!

POSITION OVERVIEW :

The Sr. Credit Analyst will assist with the underwriting of credit requests by preparing credit approval presentations which accurately assess the borrower’s credit risk. Analysis includes risk rating analysis, overall borrower analysis, guarantor cash flow analysis via assessment of personal financial statements and tax returns, cash flow analysis for both companies and commercial real estate, evaluations of financial statement metrics, and analysis of financial projections, as appropriate. Additionally, the incumbent will also be required to spread / analyze interim and year-end financial statements, as directed.

RESPONSIBILITIES AND DUTIES :

Prepare written credit approval presentations and annual reviews in a concise but complete format, identifying any major trends and concerns as needed.
Work with the relationship managers to ensure timely completion of spreads for interim and year-end financial statements, personal financial statements, and tax returns as directed.
Coordinate with the Chief Credit Officer to ensure timely completion of month-end reports as instructed.
Assist with the administration of workout (AUW) credits including, but not limited to, completion of problem loan reports, documentation reviews, file, and collateral audits, as requested.
As a member of the appraisal committee, candidate will order appraisals, conduct appraisal reviews, and internal real estate evaluations.
Perform other duties as assigned.

PREFERED QUALIFICATIONS :

Bachelor’s degree or equivalent; or four to ten years related experience and / or training; or equivalent combination of education and experience.

Minimum of five years credit analyst experience preferred

Knowledge of financial spread sheet software, Moody’s and / or Baker / Hill is preferred.

Proficient use of Microsoft computer applications to include Word and Excel.

Effective verbal and written communication skills, ability to maintain confidentiality of information.

Formal credit / cash flow analysis training is preferred.

Ability and willingness to discuss financial and collateral issues which may arise with relationship managers, credit officers, and customers.

Collateral audit experience is preferred.

Excellent written, verbal, and analytical skills.

Ability to read, analyze, and interpret moderately complex financial documents. Ability to write reports and business correspondence. Ability to effectively present information to management and respond to sensitive inquiries or complaints. Ability to define problems, collect data establish facts, and draw valid conclusions.

Employee may occasionally lift and / or move up to 25 pounds.

BENEFITS :

People come first - our clients, our employees, our families, our communities

Rewarding and challenging work

Work-life balance is important

We strive to promote from within

Employee education and training is vital

Full benefits including medical, dental, vision, 401k with match, LTD and STD, employer paid life insurance, paid holidays and half-day off for birthday, generous PTO allowance

Incentive Compensation Plan

Conveniently located in St. Louis Park, Robbinsdale, Hopkins, and Plymouth

75 years of local banking history

Opportunity to participate in fun community activities

We are committed to providing salary ranges for all open positions. Please note that the specific compensation for this role will be determined based on your experience, qualifications, and internal equity considerations.

The starting salary range for this position is $75,000 - $95,000.

Note : Job descriptions are not exhaustive lists of all skills, responsibilities or efforts associated with a job. They reflect principal elements essential for performing the job and evaluating performance. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the position.

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities

Salary : $75,000 - $95,000

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