What are the responsibilities and job description for the Credit Analyst position at Two Rivers Bank & Trust?
- Four-year Degree in Business, Accounting, or Finance or comparable years of similar work experience.
- Two semesters of accounting required.
- 1-3 years commercial credit analysis experience in a financial institution preferred.
- Experience with computer operating systems (Windows).
- Proficient in Excel and Word.
- Credit Management software experience preferred.
- Analytical and critical thinking skills.
- Attention to detail.
- Strong time management and multitasking skills.
- Strong interpersonal and customer service skills, to include the ability to form and maintain client and business relationships.
- Demonstrated effective verbal and written communication skills.
- Compliance with both the letter and spirit of the Bank Secrecy Act (BSA) and the Bank’s policies with the procedures relating to the Act. The employee will participate in training regarding BSA at least annually.
- Discretion and dedication to protecting the financial privacy of clients, business partners and employer.
- Obtain and analyze all necessary financial data to evaluate risk using credit analysis software.
- Perform assigned credit risk activities under the guidance of the Chief Credit Officer including underwriting and origination, loan renewals, annual reviews, and portfolio monitoring.
- Exercise independent judgement while developing understanding of function, policies, procedures and compliance requirements.
- Participate in meetings with customers/prospects and Business Bankers to gather and analyze information relating to credit requests.
- Analyze data to verify information and uncover fraud.
- Interact with credit administration, external auditors, Business Bankers, treasury management and wealth management, when necessary, for loan maintenance and/or troubleshooting.
- Interpret loan/legal documents and ensuring perfection of Bank’s security interest follows regulatory and legal requirements.
- Prepare and monitor loan administration reports.
- Interpret and apply loan policy guidelines when underwriting commercial and agricultural loans.
- Review and monitor files for documentation and to maximize credit quality and minimize risk and potential loss.
- Prepare loan presentations for Business Bankers and committee(s) for lending consideration.
- Non-Exempt
- Rare Travel
- In-office Position
BENEFITS
- Competitive Compensation
- Comprehensive Healthcare
- 401K Retirement Plan
- Employee Stock Ownership Plan
- Life & AD&D Insurance
- Long Term Disability Plan
- Paid Time Off (PTO)
- Paid Holidays
- Paid Volunteer Hours
- Professional Development and Advancement Opportunities
- Employee Assistance Program
NOTICE
This job description is meant to describe the general nature and level of work being performed; it is not intended to be construed as an exhaustive list of all responsibilities, duties and other skills required for the position. Two Rivers reserves the right at any time with or without notice to alter or change job responsibilities, reassign or transfer job position or assign additional job responsibilities, subject to applicable law. Two Rivers shall provide reasonable accommodations of known disabilities to enable a qualified applicant or employee to apply for employment, perform the essential functions of the job, or enjoy the benefits and privileges of employment as required by the law.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)
