Credit Analyst

PRIMARY RESPONSIBILITIES AND ACCOUNTABLILIES : (90%)

• Responsible for conducting credit investigations and analysis of loan data on new and existing commercial and agricultural loans as assigned.
• Preparation of financial statements and projections, spreadsheets, peer analysis, and reports including written analysis of the overall credit for the officer, senior lending group and / or loan committee per bank policies and guidelines.
• Assist in the completion and tracking of borrowing bases, action plans, risk ratings, watch list and collateral evaluations as required.
• Work with lenders in completing sufficient loan interviews, annual loan reviews and inspections to develop and maintain a strong working knowledge of the overall lending relationship and culture.
• Maintain a strong working knowledge of the Bank's lending policies and procedures and identification of deviations from the policy.
• Maintain knowledge and compliance with all banking laws and regulations related to the lending function, including required training to complete all specific job duties.
• Keep abreast of current economic conditions and trends that affect the loan portfolio and banking industry.
• Maintains the asset quality of the loan portfolio.
• Provide general support and / or assistance to the lending staff as needed.

SECONDARY RESPONSIBILITIES AND ACCOUNTABILITIES : (10%)

TEAM / COMMITTEE ASSIGNMENTS

ROLE QUALIFICATIONS :

Education

Bachelor's degree in business, Finance or Accounting, or equivalent combination of education and experience

Experience

A minimum of 4 years of actual Credit Analysis experience within a financial institution environment preferred.

Other Skills and Abilities

PERFORMANCE MEASURES :

WORKING CONDITIONS :

Work is performed largely within the Bank with limited chance for personal injury. Prolonged and frequent mental and visual concentration required. Periodic stressful situations in response to multiple priorities within established deadlines. Work hours are generally during normal business hours. Unscheduled evening and weekend work may be needed to meet the needs of customers and employees. Occasional out-of-town and overnight business travel may be required. Work on some Saturdays will be required. Must be able to lift and move up to 20 pounds of office supplies and equipment. Some bending, turning, and twisting required.

GENERAL NOTICE :

This position description describes the general nature and level of work performed by the employee assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability.

This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.

Equal Opportunity Employer

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.