Credit Analyst II

Schedule

• Monday - Friday 8:00AM - 5:00PM

Compensation

• Yearly $62,400 - $79,040

Responsibilities

• Prepares complete and concise financial analyses by obtaining necessary information from the lender, focusing on financial trends and repayment capacity of obligors
• Analyzes and interprets financial statements, evaluating the financial condition of the borrower relative to the industry, economy, collateral, capacity, trends, and performance
• Attends loan committee meetings, as necessary, to assist in the presentation and clarification of credit requests
• Supervises, trains and directs credit analyst(s) including periodic review of analysis
• Serves as a resource for the bank's loan documentation software
• Ensures adequacy of bank's collateral position by monitoring construction draw requests/inspections, borrowing base certificates/inspections, and livestock inspections (some analyst positions)
• Audits specific collateral reports to ensure accuracy as required
• Participates in asset reviews as requested, including real estate inspections and any other on-site inspections deemed necessary
• Maintains strict confidentiality of credit information
• Performs other duties as assigned
• Maintains regular and reliable attendance

Qualifications

• Knowledge of bank operations, policies, and procedures
• Knowledge of loan analysis and accounting
• Knowledge of loan analysis software and Sageworks software
• Skill in communicating effectively with management, customers, and co-workers
• Skill in managing employees
• Ability to pay close attention to detail and work with a high degree of accuracy
• Ability to create an organized efficient work environment without supervision
• Ability to work under pressure of deadlines
• Ability to function as a team player

Education And Experience

• High School diploma or equivalent experience in banking
• College degree in business, finance, economics or accounting preferred

Benefits

Benefits for employees working at least 35 hours per week include:

• 8 paid holidays
• 17 PTO days each year for the first five years of employment (employees must complete 90-day introductory period prior to accruing PTO)
• 16 hours of paid sick time upon hire date
• Health, dental, prescription drug card, vision, and voluntary life insurance plans
• Health savings account with employer contributions
• Flexible medical and dependent care spending plans
• 401K plan after 3 months and start of next quarter with employer contributions and profit sharing
• $50,000 group term life insurance
• Long term disability insurance and employee assistance program

If working less than 35 hours per week, above benefits are modified.