Financial Risk Analyst

2 weeks ago

Springfield, Illinois, United States Southern Bank Full time
Job Overview

Location
Springfield National Branch

Remote Work
Optional Work from Home

Employment Type
Full Time

Position Summary

PRIMARY OBJECTIVE

The primary objective of this role is to assess financial data to provide the credit committee with sufficient insights to gauge the risk associated with extending credit. This process includes reviewing financial statements, addressing inquiries raised by financial analysis with lenders, and aiding in the preparation of loan presentations for committee evaluation.

EXPECTATIONS FOR ALL SOUTHERN BANK TEAM MEMBERS
  • Southern Bank team members are a cohesive unit, deeply rooted in the communities we serve, striving to excel in our industry through innovative solutions and robust products.
  • Upholds the confidentiality of customer non-public personal information and secures information systems to adhere to banking regulations.
KEY RESPONSIBILITIES AND PERFORMANCE AREAS
  • Utilizes analytical software to gather financial data that assists loan officers in assessing creditworthiness;
  • Develops comprehensive credit presentations alongside loan officers that effectively summarize credit details for the loan committee's review;
  • Analyzes economic trends within the industry to forecast the potential success of new or existing clients;
  • Conducts annual evaluations of commercial borrowers;
  • Contributes to the preparation and completion of monthly loan board reports;
  • Maintains a tracking database to ensure timely collection of customer financial information;
  • Performs additional duties as assigned by management.
NOTE: This position may be located at various branches based on space availability.

Qualifications

The following specifications serve as general guidelines based on the minimum education and experience typically deemed essential for satisfactory performance in this role. The requirements listed below represent the knowledge, skills, and abilities necessary for effective job performance. Individual capabilities may lead to some variation from these guidelines.

KNOWLEDGE, SKILLS, AND ABILITIES
  • Strong analytical abilities;
  • Excellent written and verbal communication skills;
  • Detail-oriented with the capacity to manage multiple tasks in a dynamic environment;
  • Ability to perform calculations involving discounts, interest, commissions, proportions, percentages, area, circumference, and volume;
  • Proficient in Microsoft Office applications;
  • Capable of independent thinking and judgment to effectively plan and prioritize tasks;
  • Adept at identifying problems, gathering data, establishing facts, and drawing valid conclusions.
EDUCATION, TRAINING, AND EXPERIENCE REQUIREMENTS
  • Bachelor's degree with a focus on accounting or finance; or three years of relevant experience and/or training, or an equivalent combination of education and experience;
  • Prior experience in credit analysis is preferred.
CORE COMPETENCIES

Building Trust: Engaging with others in a manner that instills confidence in one's intentions and those of the organization.

Customer Focus: Ensuring that the customer perspective drives business decisions and activities; developing and implementing service practices that meet the needs of customers and the organization.

Team Collaboration: Actively participating as a team member to advance the team towards achieving its goals.

Business Acumen: Leveraging economic, financial, market, and industry data to enhance business outcomes; utilizing knowledge of major business functions, industry trends, and the organization's position to contribute to effective strategies and tactics.

Information Monitoring: Establishing ongoing procedures to collect and review information necessary for managing the organization or its activities.

Work Management: Effectively managing time and resources to ensure efficient completion of tasks.

Technical/Professional Knowledge and Skills: Attaining a satisfactory level of technical and professional skill or knowledge in position-related areas; staying current with developments and trends in areas of expertise.

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