Credit Officer

2 weeks ago


Marquand, Missouri, United States The National Bank of Indianapolis Corporation Full time
Job Description

The Credit Officer is responsible for analyzing complex financial information and cash flow of existing and potential borrowing clients for purposes of approving or denying a loan request. The teammate is expected to act in a professional manner and within the accepted standards and practices of the industry, as well as within the Bank's Culture of Excellence.

Key Responsibilities:
  • Analyze the financial condition and cash flow of borrowers, including identification of trends in financial ratios, analysis of balance sheet and income statement changes and trends, guarantor analysis and collateral analysis
  • Present findings in comprehensive credit approval documents which outline the loan request and the financial condition of the borrower, including relevant financial data and narrative
  • Communicate with lenders and/or borrowers to obtain necessary information regarding the borrower
  • Assist lenders with structuring/underwriting loans
  • Perform quality control review of imaged documents
Requirements:
  • College degree in accounting, finance, economics or business; a minimum of 6 hours of college-level accounting coursework required, including intermediate financial accounting
  • Minimum of 2-5 years of experience in credit analysis at a bank with assets of $1 billion or more; experience analyzing complex C&I borrowers with deal and/or relationship size between $2 million and $20 million
  • Exceptional ability to analyze and interpret all types of financial statements, formulate conclusions, and present findings in a narrative credit analysis
  • Experience analyzing borrowing base certificates and underlying assets comprising the certificate to determine if borrower is in compliance
  • Demonstrated ability to create, interpret and test borrower loan covenants
  • Proven verbal and written communication skills, including the ability to convey information about a borrower's financial status in commonly understood terms
  • Demonstrated ability to think critically, make well-reasoned assumptions and solve problems
  • Experience with and strong working knowledge of standard computer applications, especially Word, Excel and Adobe Acrobat
  • High degree of accuracy and attention to detail
  • Strong initiative and ability to manage multiple lender requests, organizing and prioritizing tasks as appropriate; ability to work independently and meet deadlines
  • Demonstrated ability to work effectively with diverse individuals and work styles, including lending staff

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