Senior Credit Analyst

Primary Responsibilities

• Performs pre-qualification assessment and analyzes financial condition and risk of financing requests.
• Gathers data from customers, internal and external sources.
• Prepares spreadsheets and analyzes financial information including financial statements and tax returns.
• Obtains additional information and clarification of data.
• Compiles data from credit bureaus, conducts industry peer comparisons, and performs cash flow analyses and other such tasks and comparisons.
• Communicates with Ag/Commercial Bankers when working credits, spreads, and ticklers.
• Works in conjunction with other departments to process and service loans.
• Performs site visits and/or customer meetings with bankers.
• Updates and corresponds with special assets department on workouts, bankruptcies, and charge-offs.
• Performs and helps complete problem loan action reports.
• Participates in loan committee meetings and other credit administration meetings, provides recommendations for changes to loan policy, and engages commercial bankers and commercial support teams for process change recommendations.
• Prepares reports and analyzes commercial and agriculture loan portfolio.
• Aids in training and mentoring of Credit Analysts and Credit Analyst Interns.
• Develops knowledge of financial industry, economy, market conditions, rates, vendors and competition.
• Represents the Bank in various community, civic, and community reinvestment functions.
• Performs annual reviews on credit portfolio to establish trends ensuring proper risk rating.
• Prepares reports and presentations complete with accurate financial data and detailed narrative to aid in the credit decisioning process.
• Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules and regulations; adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position.

Qualifications

• Bachelor’s degree in accounting, finance, or related field.
• Five (5) years of directly related experience in lending may be considered in lieu of the Bachelor’s degree.
• Three (3) years of credit analyst experience.