Credit Analyst III - Ag

Credit Analyst III

The Credit Analyst III 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 :

• Reads, 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.
• Portfolio management as assigned.
• 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.
• Participates in the production and development of training materials and assists with the delivery of training through various channels.
• Partakes in a mentorship program with lower-level analysts to assist in guidance and the overall development of credit acumen.
• Acts as a resource for Relationship Managers and other analysts for questions relating to Loan Policy, loan structuring, and underwriting recommendations.

Qualifications :

Education and / or Experience :

Physical Demands and Working Environment :

Our company is an equal opportunity employer. Employment here is based solely upon an individual's merit and qualifications directly related to the position. We do not discriminate on the basis of race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, disability, medical condition, or any other characteristics protected by law. We make all reasonable accommodations to meet the obligations set forth under the Americans with Disabilities Act (ADA) and state disability laws.