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Credit Risk Analyst

2 months ago

Minot, North Dakota, United States First Western Bank & Trust Full time
Job Overview

First Western Bank & Trust is seeking a skilled Credit Analyst to join our team. As a Credit Analyst, you will play a critical role in analyzing financial statements and credit data to determine the risk involved in extending credit or lending money.

Key Responsibilities:

  • Analyze financial statements and credit data to determine the risk involved in extending credit
  • Verify and input financial data within appropriate banking software
  • Prepare financial spreads utilized in credit presentation
  • Evaluate customer earnings, savings data, payment history, and purchase activity
  • Generate debt to income ratios to assess customers' financial status
  • Analyze income growth, asset management, and market share to determine expected profitability of loans
  • Compare profit and liability history of commercial or agriculture entity being evaluated
  • Review customer file documentation and write narrative analysis of risk factors
  • Work with commercial and agriculture lenders to ensure parameters of the Bank's loan policy are met
  • Determine exposure limits and assign risk ratings for Automated Clearing House customers
  • Monitor various loans and provide monthly status reports
  • Compile financial spreads and query reports as requested for annual loan reviews, vendor analysis
  • Complete summaries of loan requests to submit appropriate approval level authority, loan committee
  • Maintain knowledge of risk management techniques
  • Attend training and complete software webinars to enhance knowledge
  • Ensure compliance with banking laws, regulations, and the Bank's policies and procedures, including Bank Secrecy Act
  • Maintain continuing education related to regulatory standards
  • Ability to work independently and collaboratively within a team

Requirements:

  • Bachelor's degree in accounting, finance or business-related field or equivalent work experience
  • Two years' experience in banking, credit or analyst role preferred
  • Knowledge of financial statements required

Skills/Abilities:

  • Excellent oral and written communication skills
  • Ability to define problems, facts and draw valid conclusions
  • Strong mathematical, analytical, and problem-solving skills
  • Demonstrate adaptability while effectively meeting assigned deadlines
  • Knowledge of Microsoft Office Suite and related banking programs; SageWorks and Moody's Analytics

First Western Bank & Trust is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sexual orientation, gender identity, national origin, age, disability, genetic information, marital status, or veteran status.