Credit Analyst I

Description

Under general supervision, but according to established policies and procedures, assists loan officers with all types of loan activity.   Accompanies officers calling on customers when requested, develops and analyzes all types of credit information pertaining to diversified types of agricultural and commercial loans, prepares and presents loan presentations for lending officers and/or committees, and provides any other assistance to lending officers as required.

Qualifications

• Prepares financial statements and cash flow analysis for lending officers utilizing Web Equity Manager to determine financial position of borrowers and credit needs.
• Prepares loan presentations and attachments to be reviewed by loan committees or Board of Directors.
• Reviews credit files over $50,000 to ensure proper documentation and approval is complete prior to closing.
• Presents loan presentations and other documentation to loan committees or the Board of Directors as requested.
• Complete In-House evaluations for Farm RE and small commercial.
• Monitors risk ratings of credits quarterly to ensure all loans are consistently rated and also make changes as loan ratings change.
• Prepares the Quarterly Large Borrower report for the loan officers to update comments.
• Audit collateral vault on a quarterly basis.
• Set up weekly OLC meetings to include operating computer thru the agenda.
• Assists in obtaining missing documents from Doc Tracking system.
• Serve in a back-up role to the Credit Card Manager.
• Assist in running the daily payments that come thru the Credit Card email.
• Run credit bureaus on customers when required.
• Conduct all job duties in compliance with applicable laws, regulations, and Bank policies and procedures

• Bachelor's Degree (four-year college or technical school) or Work Equivalent, Field of Study: Business or Finance
• 3 plus years of experience in financial industry

People Skills

• Customer Focus
• Managing Performance
• Interpersonal Communication
• Detail Oriented - Ability to pay attention to the minute details of a project or task. 

Business Skills

• Quality Driven
• Sound Judgement
• Financial Aptitude - Ability to understand and explain economic and accounting information, prepare and manage budgets, and make sound long-term investment decisions. 

Self-Management Skills

• Personal Integrity & Ethics
• Self-Starter

Well-Organized

We are proud to be an ADA employer.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential duties of the position.

• Ability to type and file documents proficiently
• Ability to operate office equipment of varying heights, sizes and positions by reaching, handling, fingering, bending, stooping, kneeling and feeling
• Ability to obtain documents, files, and supplies of varying sizes, heights and weights by reaching, handling, stretching, lifting, bending, climbing, stooping, kneeling and feeling
• Ability to effectively exchange information in a verbal, visual and written fashion 
• Ability to apply common sense understanding in order to problem solve by analyzing, observing, and prioritizing.  Reads material and identifies relevant details; judges accuracy and appropriateness
• Ability to lift and carry a weight of up to 20 pounds for a short period of time.
• Ability to sit for long periods of time.
• Ability to effectively interact with others, including but not limited to internal and/or external customers, members of management, and vendors.
• Ability to work a regular, predictable schedule.

Salary : $23 - $34