Credit Analyst IIFirst Interstate Bank • West Des Moines, IA, US
Credit Analyst II
First Interstate Bank • West Des Moines, IA, US
16 days ago
Job type
- Full-time
Job descriptionReads, reviews, and understands various financial statements to include but not limited to; tax returns, balance sheets, profit and loss statements, agings, borrowing base certificates, debt schedules, equipment lists, credit bureau reports, rent rolls, lease agreements, and appraisals. Prepares financial spreads for various types of commercial and real estate businesses, municipalities, non-profits, and individuals acting as direct obligation borrowers or guarantors. Analyzes credit worthiness of commercial applicants and guarantors as appropriate by reviewing the loan application, spreading historical and projection based financial statements, calculating cash flows, leverage, and liquidity ratios, evaluating collateral, conducting research on the borrower(s) and key industries, and identifying risks. Analyzes findings and authors a comprehensive report of analysis using a mix of data analysis (charts, formulas, graphs, etc.) and written narrative. Evaluates credit quality and suggests proper risk rating based on analysis of most recent financial information. Possesses proficiency relative to credit transactions and analytical skills sufficient to enable independent underwriting of commercial requests for streamlined to complex requests with limited guidance from immediate manager. Ensures compliance to applicable regulations and keeps up-to-date with changes in federal regulations and FIB credit policy requirements. Assists the Relationship Manager in the preparation of reports for quarterly monitoring of classified and criticized commercial relationships. Completes financial performance metric covenant testing utilizing prepared financial spreads. Participates in a quality control program that provides for the monthly review of general forms, spreads, and analysis with the provision of feedback and mentoring. Strong organization and time management skills. Excellent written and verbal skills. Able to develop and maintain internal and external relationships with individuals such as Relationship Managers, Credit Officers, and Risk Management Personnel. Able to work in a fast-paced environment, set priorities, and establish and meet strict deadlines with the flexibility to adapt quickly to changing priorities. Self-motivated and possess the ability to assist with credit risk decisions. Strong analytical and problem-solving skills, as well as an attention to detail. Able to prioritize and work with others in an integrated way to achieve individual objectives and team results with flexibility to adapt to changing volumes, requirements, and areas of focus. Proficiency with Microsoft Office Suite, including Word, Excel, Outlook, and PowerPoint. Able to acclimate quickly to other programs. Experience with financial spread software. Bachelor's Degree in Business, Finance, or related field required or 7-9 years of banking experience and / or equivalent combination of education and experience required 1-3 years experience in a similar position required Commercial banking experience preferred Dexterity of hands / fingers to operate computer keyboard and mouse - Frequently Lifting - Occasionally (up to 10 lbs) Sitting - Frequently Overtime - Subject to business need Noise Level - Moderate Typical Work Hours - M-F (8-5) Regular and Predictable Attendance - Required
Credit Analyst II
This position can be located at our Des Moines, Clive, and West Des Moines and Altoona, IA branch.
What's Important to You
We know your career is just one aspect of a meaningful, complex, and demanding life. That's why we designed our compensation and benefits package to provide employees and their families with as much choice as possible.
- Generous Paid Time Off (PTO) in addition to paid federal holidays.
- Student debt employer repayment program.
- 401(k) retirement plan with a 6% match.
- The health and happiness of the places we call home matter to us. Learn a little more about what we do for the communities we serve.
We encourage you to apply. Reach for what you want and tell us why your work ethic and willingness to learn make you a natural fit for #TeamFirstInterstate.
The Credit Analyst II collaborates with relationship managers in gathering and evaluating commercial credit related information on current and prospective customers by preparing written reports of analysis which include in-depth analysis of financial statements, historical and projection-based cash flow and ratio analysis, suggested credit structure, general industry analysis and identified risks.
Essential Duties and Responsibilities
Qualifications
Education and / or Experience
Physical Demands and Working Environment
Create a job alert for this search
Credit Analyst • West Des Moines, IA, US
Related jobs
We are looking for a finance professional to join our team to train AI models.You will measure the progress of these AI chatbots, evaluate their logic, and solve problems to improve the quality of ...Show more We are looking for a finance professional to join our team to train AI models.You will measure the progress of these AI chatbots, evaluate their logic, and solve problems to improve the quality of ...Show more We are looking for a finance professional to join our team to train AI models.You will measure the progress of these AI chatbots, evaluate their logic, and solve problems to improve the quality of ...Show more 
WHEN YOU WORK FOR US, WE WORK FOR YOU\n.With Titan Medical, you gain access to thousands of travel nursing and allied health jobs across the country.
You also get unmatched service.From the moment y...Show more
Vetted is seeking a RN - ICU - Intensive Care Unit for a travel job in Des Moines, Iowa.The job was posted about 1 month ago.
The assignment starts on ASAP and is 13 weeks long with 8 hour shifts 5 ...Show more
Compeer Financial is a member-owned cooperative located in Illinois, Minnesota and Wisconsin.We bring together team members with a variety of backgrounds and experiences to help provide financial s...Show more Vetted is seeking a RN - ICU - Intensive Care Unit for a travel job in Des Moines, Iowa.The job was posted about 1 month ago.
The assignment starts on ASAP and is 13 weeks long with 8 hour shifts 5 ...Show more Vetted is seeking a RN - Telemetry for a travel job in Des Moines, Iowa.The assignment starts on ASAP and is 13 weeks long with 8 hour shifts 5 days a week.
You must live 60 miles away from the faci...Show more Vetted is seeking a RN - ICU - Intensive Care Unit for a travel job in Des Moines, Iowa.The job was posted about 1 month ago.
The assignment starts on ASAP and is 13 weeks long with 8 hour shifts 5 ...Show more Vetted is seeking a RN - Telemetry for a travel job in Des Moines, Iowa.The assignment starts on ASAP and is 13 weeks long with 8 hour shifts 5 days a week.
You must live 60 miles away from the faci...Show more 
Our risk management team is looking for a lending Credit Risk Analyst for our home improvement loan platform.This role is responsible for implementing and monitoring lending strategy, loan decision...Show more We are looking for a finance professional to join our team to train AI models.You will measure the progress of these AI chatbots, evaluate their logic, and solve problems to improve the quality of ...Show more 
Argo Group International Holdings, Inc.American National, US based specialty P&C companies, (together known as BP&C, Inc.
Brookfield Wealth Solutions, Ltd.BWS"), a New York and Toronto-listed public...Show more Argo Group International Holdings, Inc.American National, US based specialty P&C companies, (together known as BP&C, Inc.
Brookfield Wealth Solutions, Ltd.BWS"), a New York and Toronto-listed public...Show more Vetted is seeking a RN - Telemetry for a travel job in Des Moines, Iowa.The assignment starts on ASAP and is 13 weeks long with 8 hour shifts 5 days a week.
You must live 60 miles away from the faci...Show more We are looking for a finance professional to join our team to train AI models.You will measure the progress of these AI chatbots, evaluate their logic, and solve problems to improve the quality of ...Show more We are looking for a finance professional to join our team to train AI models.You will measure the progress of these AI chatbots, evaluate their logic, and solve problems to improve the quality of ...Show more 
The Special Investigations Unit (SIU) Investigator is responsible to conduct timely and thorough health care fraud investigations on behalf of the Company.
Investigations are confidential and are co...Show more
Remote Investment Analyst – AI Trainer ($50-$60 / hour)
Data Annotation • Ames, Iowa
Remote
Full-time +1
Last updated: 10 days ago • Promoted
Remote Financial Analyst - AI Trainer ($50-$60 / hour)
Data Annotation • Ames, Iowa
Remote
Full-time +1
Last updated: 10 days ago • Promoted
Remote Senior Financial Analyst ($50-$60 / hour)
Data Annotation • Ames, Iowa
Remote
Full-time +1
Last updated: 10 days ago • Promoted
Travel - Cath Lab Tech
Titan Medical Group • Colo, IA, US
Full-time
Last updated: 5 hours ago • Promoted • New!
RN - ICU - Intensive Care Unit in Norwalk, IA - $2,237 / week
Vetted Health • Norwalk, IA, US
Full-time
Last updated: 30+ days ago • Promoted
Pool Purchase Analyst
Compeer Financial • Johnston, IA, United States
Full-time
Last updated: 30+ days ago • Promoted
RN - ICU - Intensive Care Unit in Cumming, IA - $2,237 / week
Vetted Health • Cumming, IA, US
Full-time
Last updated: 30+ days ago • Promoted
RN - Telemetry in Norwalk, IA - $2,106 / week
Vetted Health • Norwalk, IA, US
Full-time
Last updated: 30+ days ago • Promoted
RN - ICU - Intensive Care Unit in Altoona, IA - $2,237 / week
Vetted Health • Altoona, IA, US
Full-time
Last updated: 30+ days ago • Promoted
RN - Telemetry in Altoona, IA - $2,106 / week
Vetted Health • Altoona, IA, US
Full-time
Last updated: 30+ days ago • Promoted
Credit Risk Analyst
Watercress Financial Group LLC • West Des Moines, IA, US
Full-time
Last updated: 30+ days ago • Promoted
Remote Equity Research Analyst – AI Trainer ($50-$60 / hour)
Data Annotation • Ames, Iowa
Remote
Full-time +1
Last updated: 10 days ago • Promoted
Actuarial Analyst I
Argonaut Management Services, Inc • West Des Moines, IA, United States
Full-time
Last updated: 30+ days ago • Promoted
Assistant Actuary II
Argonaut Management Services, Inc • West Des Moines, IA, United States
Full-time
Last updated: 30+ days ago • Promoted
RN - Telemetry in Cumming, IA - $2,106 / week
Vetted Health • Cumming, IA, US
Full-time
Last updated: 30+ days ago • Promoted
Remote Corporate Development Analyst – AI Trainer ($50-$60 / hour)
Data Annotation • Ames, Iowa
Remote
Full-time +1
Last updated: 10 days ago • Promoted
Remote FinTech Product Analyst - AI Trainer ($50-$60 / hour)
Data Annotation • Ames, Iowa
Remote
Full-time +1
Last updated: 10 days ago • Promoted
Senior Fraud Investigations Analyst - Medicare / Medicare Advantage Investigations
Blue Cross and Blue Shield of North Carolina • Des Moines, IA, United States
Full-time
Last updated: 30+ days ago • Promoted