Credit Analyst

Job Title

Provides leadership to credit analysts. Ensures timely and accurate completion of all credit analysis functions.

Responsibilities And Duties

1. Prepares complete and concise financial analyses by obtaining necessary information from the lender. Financial analyses will focus on financial trends and repayment capacity of obligors. These duties include but are not limited to analysis & interpretation of financial statements, evaluation of the financial condition of the borrower relative to the industry, economy, collateral, capacity, trends, and performance of the borrower.

2. Attends loan committee meetings, as necessary, to assist in the presentation and clarification of credit requests.

3. Supervises, trains and directs credit analyst(s) including periodic review of analysis.

4. Serves as a resource for the bank's loan documentation software.

5. Some analyst positions ensure adequacy of bank's collateral position by monitoring construction draw requests / inspections, borrowing base certificates / inspections, and livestock inspections. Audit of specific collateral reports may be required to ensure accuracy.

6. May participate in asset reviews as requested, including real estate inspections and any other on-site inspections deemed necessary.

7. Maintains strict confidentiality of credit information.

8. Performs other duties as assigned.

9. Regular and reliable attendance.

Knowledge, Skills, And Abilities

Knowledge of bank operations, policies, and procedures.

Knowledge of loan analysis and accounting.

Knowledge of loan analysis software and Suntell software

Skill in communicating effectively with management, customers, and co-workers.

Skill in managing employees.

Ability to pay close attention to detail and work with a high degree of accuracy.

Ability to create an organized efficient work environment without supervision.

Ability to work under pressure of deadlines.

Ability to function as a team player.

Education And Experience

High School diploma or equivalent experience in banking.

College degree in business, finance, economics or accounting preferred