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Credit Analyst

2 months ago

Champaign, Illinois, United States First Mid-Illinois Bancshares Full time
Job Summary

We are seeking a highly skilled Financial Credit Specialist to join our team at First Mid-Illinois Bancshares. As a key member of our credit analysis team, you will be responsible for conducting thorough financial statement reviews and credit analyses for commercial and agricultural loan relationships.

Key Responsibilities
  • Financial Statement Review: Conduct comprehensive reviews of financial statements to assess the creditworthiness of borrowers and ensure compliance with established lending policies and regulatory guidelines.
  • Credit Analysis: Perform in-depth credit analyses to evaluate the repayment capacity and collateral coverage of borrowers, making recommendations to loan officers and/or loan committees as needed.
  • Risk Management: Monitor loan requests and assign risk ratings based on established written lending policies and regulatory guidelines.
  • Industry Research: Conduct research on industry-specific information from outside sources to provide analysis and support credit decisions.
  • Collateral Evaluation: Investigate all available sources of credit and financial information, including credit bureaus, Experian Business Credit, and other industry sources.
  • Team Collaboration: Work closely with loan officers and other team members to foster relationships and enhance the bank's understanding of credits.
  • Administrative Tasks: Complete credit administration tasks, including annual reviews, financial covenant tracking, and borrowing base tracking.
  • Professional Development: Complete required training associated with the job function and stay up-to-date with industry developments.
Requirements
  • Education: Bachelor's degree in Accounting, Finance, or Business Administration, or commensurate banking experience.
  • Technical Skills: Proficiency in spreadsheet and word processing software, specifically Excel, Word, and Microsoft Office.
  • Formal Training: Formal training in Microsoft Excel is preferred.
Desirable Skills
  • Attention to Detail: Strong attention to detail and analytical skills.
  • Communication Skills: Excellent communication and interpersonal skills.
  • Time Management: Strong time management, organization, and multi-tasking skills.
  • Business Writing: Business writing skills and ability to create professional credit presentations.
  • Teamwork: Comfortable working in a team environment with deadlines.
Equal Opportunity Employer

First Mid-Illinois Bancshares is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, protected veteran status, or any other applicable federal or state-protected classification.