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