Credit Analyst

Essential Functions

• Prepares financial analysis through Web Equity software program on Ag / Commercial clients and make recommendations to lenders. This will include preparing credit memorandum write-ups on loan credits to be presented to loan committees.
• Affords assistance to other branches, specifically Kingsley and Sergeant Bluff, with credit analysis coverage as needed.
• Maintains a full understanding of Midstates Bank Loan Policy and credit culture. Prepares credit memorandum write-ups in accordance with Loan Policy.
• Provides financial services to Ag/Commercial clients. Advises clients, where possible, concerning business management and financial matters.
• Supports business development efforts including joint sales calls with loan officers.
• Supports collection efforts on trouble loans including inspections of properties, client consultations, loan modifications, etc.
• Affords assistance to Loan Administrator in performing their function when necessary to ensure files are complete, documentation is accurate, and loan closings happen as scheduled.
• Participates in civic activities to promote growth and development of the community and a positive image for the bank.

Skills/Qualifications

• Strong communication and analytical skills;
• Strong computer skills including Web Equity and Microsoft Office products;
• Good interpersonal skills and team orientation.

Education

2-Year college degree in Business Administration or related discipline or equivalent combination of course work and work experience.

Experience

Accounting or bookkeeping experience in formation of financial statements and cashflows. Previous bank experience preferred.