Credit Risk Analyst

3 weeks ago

Lafayette, Indiana, United States First Merchant's Bank Full time
{"h1": "Associate Credit Officer Role at First Merchants Bank", "p": "At First Merchants Bank, we are seeking a highly skilled Associate Credit Officer to play a key role in our credit risk management team. As an Associate Credit Officer, you will be responsible for assisting in the implementation and recommendation of policies and procedures for proper management of portfolio risk and concentration management, credit risk assessment and monitoring, and special assets management.

Key Responsibilities:

* Work with the Regional Chief Credit Officer to oversee the standard credit processes, procedures, and policies while maintaining timely and accurate grading of the commercial credit portfolio.
* Member of the Regional or Line of Business and Regional Special Assets Loan Committees as designated.
* Communicate material asset quality concerns and/or issues to the Regional Chief Credit Officer.
* Prepare regional or line of business migration reporting of commercial credit portfolio asset quality including grading, impairment, non-accrual, and charge-off recognition.
* Monitor and manage regional or line of business delinquency status, construction loan status, borrowing base reporting, marketable security reporting, and loan covenant compliance.
* Ensure regional or line of business adherence to corporate concentration limits and thresholds.
* Ensure the timely completion of Annual Credit Reviews
* Under the direction of the RCCO, assist or run Region Watch List Committee meetings as designated.
* With the approval of the RCCO, respond to audit, loan review, FDIC, and other internal and external examining bodies.
* Complete compliance and other assigned training.
* Participate as a member of business management team.
* Organize and assist the Regional Chief Credit Officer with meetings, including the establishment of agenda items, materials and meeting preparation.

Requirements:

* Bachelor's degree in accounting, finance, business or related field.
* A minimum of three (3) years of commercial credit or related experience.

Preferred Qualifications:

* Master's degree in accounting, finance, business or related field.

What We Offer:

* Base Pay PLUS Bonuses
* Medical, Dental and Vision Insurance
* 401k
* Health Savings and Flexible Spending Accounts
* Vacation/Sick Time
* Paid Holidays
* Paid Parental Leave
* Tuition Reimbursement
* Additional Benefits

About Us:

First Merchants is guided by a genuine philosophy of being a meaningful place to work and having a prosperous impact across all walks of life throughout the communities we serve, including consumers, businesses and other organizations. Our Vision, Mission and Team statement reflect and reinforce that authentic service philosophy.

Our Vision is:

To enhance the financial wellness of the diverse communities we serve.

Our Mission is:

To be the most responsive, knowledgeable, and high-performing financial organization for our clients, teammates, and shareholders.

Our Team:

We are a collection of dynamic colleagues with diverse experiences and perspectives who share a passion for positively impacting lives. We are genuinely committed to attracting and engaging teammates of diverse backgrounds. We believe in the power of inclusion and belonging.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

First Merchants Bank is an equal opportunity employer and welcomes applications from diverse candidates. We are committed to creating an inclusive and respectful work environment that values diversity and promotes equal opportunities for all employees and applicants.

If you are a motivated and experienced professional looking for a challenging role in credit risk management, we encourage you to apply for this exciting opportunity.

Note: The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR c)"}

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