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Credit Analyst II
2 months ago
This person reviews loans in accordance with the bank's Loan Policy and Guidelines. This person should have a good understanding of all types of commercial and agricultural credits, along with the ability to make recommendations on how to minimize the bank's exposure and ensure that lending practices conform to established policy.
Qualifications: This person should have a bachelor's degree, plus three years of work-related experience or the equivalent. This person should be able to analyze routine credits using sound credit judgment with oversight needed for more complex files. Good communication skills, an aptitude toward detail, and understanding of all Loan Policy and Guidelines required.
Principal responsibilities are to:
1. Analyze and risk rate credit lines and critique the credit classifications assigned by the Loan Officers. The analysis must be consistent with the findings of the appropriate regulatory agencies.
2. Spread, analyze and review financial statements for current and prospective borrowers in a variety of industries using tax returns, financial statements, credit reports and other reporting as needed or requested. Calculate cash flow for more complex borrowers and guarantors. Analysis may include projections, trends and ratio analysis. Summarize and analyze findings in the bank's written credit presentation.
3. Prepare annual reviews on borrowing relationships in accordance with bank loan policy.
4. Analyze credit requests for the SBA portfolio.
5. Monitor covenant compliance with loan agreements.
6. Assist the Credit Analyst Manager in mentoring and training less experienced staff.
7. Present loan files or credit lines not meeting the standards of Loan Policy and Guidelines to the Credit Analyst Manager with a detailed explanation of the credit exceptions and the recommended action necessary to correct the deficiencies and improve the bank's position.
8. In the event of minor technical documentation discrepancies or identified potential credit weakness, communicate directly with the Loan Officer and Credit Analyst Manager, requesting correction of the discrepancies and recommending alternatives for improving the credit lines. Perform follow-up action as necessary until corrected.
9. As needed, attend Loan Committee meetings where credit lines are presented for final approval, recommended action, and classification.
10. As required, perform services and projects for the department and the bank.
11. Attend Credit Department and other committee meetings as requested by management to participate in decisions that affect ongoing and future operations of the department.
12. Act in accordance with FBT policies and procedures as set forth in the employee handbook.
13. Adhere to compliance procedures and participate in required compliance training.
Compensation Grade
Salary Grade 6
First Bank & Trust is an Equal Opportunity, Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, or status as a protected veteran. Read our complete Equal Employment Opportunity Policy Statement. Applicants who would like to request reasonable accommodation to the application or interview process should call Human Resources at [redacted] or email [redacted].
