Credit Analyst

POSITION DESCRIPTION :

The Credit Analyst will be responsible for the credit analysis of new and existing commercial and agricultural relationships.

The Credit Analyst will work closely with the loan officers in the preparation of loan presentations and analysis of the financial strengths and weaknesses of commercial and agricultural borrowers.

ESSENTIAL FUNCTIONS :

• Assists the commercial and agricultural lenders with underwriting and documenting credit requests.
• Performs economic and industry analysis, financial projections and risk assessments.
• Spreads and interprets financial statements, including cash flow analysis and collateral analysis, to minimize risk and maximize credit quality.
• Evaluates complex financial statements to spread and analyze in order to prepare a credit presentation.
• Gathers any necessary follow-up information to prepare a credit presentation.
• Calculates risks associated with granting the credit and asks questions in the credit presentation for the loan officer to answer before submission.
• Prepares and delivers credit presentations along with supporting analysis to the loan officer. Helps the loan officer present the credits to Loan Committee.
• Follows established bank policies and procedures and identifies any policy exceptions.
• Advises and recommends changes to policy and procedures.
• Markets, trains, advises, counsels and communicates credit policy and procedures to other bank personnel.
• Promotes a strong team environment.
• Does thorough proof reading of credit presentations before submission.

COMPETENCIES :

• Superior communication, business writing and presentations skills. One-on-one consulting with integrity and trust.
• A blend and balance of fact-based and intuitive analytical skills.
• The ability to translate data to recommendations / actions.
• Ethics and values when spreading and presenting credits.
• Coachable with an eager learning mentality.
• Integrity and Trust
• Ethics and Values

Requirements

DESIRED QUALIFICATIONS :

• Bachelor's degree or equivalent experience with an emphasis in Accounting.
• Credit analyst level 3 Commercial Lending experience of 6+ years.
• Credit analyst level 2 Commercial Lending experience of 3-5 years
• Credit analyst level 1 Commercial Lending experience of 2 years
• Working knowledge of agricultural commodities and markets.

Physical Requirements -

• Ability to work full time, 40 hours per week
• Ability to work overtime when there are business needs
• Standing frequently, 66% or more per day
• Sitting occasionally, 33%-65% per day
• Speaking frequently, 66% or more per day
• Listening frequently, 66% or more per day
• Climbing rarely, less than 33% per day
• Stooping, squatting, rarely, less than 33% per day
• Lifting up to 25lbs, occasionally, 33%-65% per day
• Manual dexterity, and fine hand manipulation, frequently, 66% of more per day
• Overhead work, rarely, less than 33% per day

Work Environment - Group environment with blended conversations and distractions. Able to multitask and switch between projects quickly.

If you need a reasonable accommodation to do the essential job functions, please provide more details on the accommodation you would like to request.

The above noted job description is not intended to describe, in detail, the multitude of tasks that may be assigned but rather to give the employee a general sense of the responsibilities and expectations of his / her position.

As the nature of business demands change so, too, may the essential functions of this position.