Senior Credit Analyst

4 days ago

Urbandale, IA, United States Central Bancompany Full time

Job Type

Full-time

Description

POSITION SUMMARY

Responsible for collecting data from new and existing loan customers in order to perform analysis of financial information and creditworthiness and to assist in the administration of commercial loan accounts. Responsible for the training of Credit Analyst I and II's to help develop other possible career paths within the Bank; commercial lending, residential lending, consumer lending private banking, or audit.

ESSENTIAL DUTIES AND RESPONSIBILITIES

The essential functions include, but are not limited to the following:

  • Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
  • Spread appropriate financial data using CASH software program
  • Generate financial ratios, using computer programs to evaluate customer's financial status
  • Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industry
  • Analyze data such as income growth, quality of management, and market share to determine expected profitability of loans
  • Draft credit analysis memos for annual review, new request and modification
  • Prepare recommendations to Commercial Loan Officer regarding loan structure terms, and conditions
  • Request and communicate with customers, accountants, and attorneys regarding questions on financials, business structure and other necessary documentation. Confidentiality and integrity are of the utmost importance
  • Coordinate the ordering of loan documentation and assist in the documentation of loans to evidence debt, including perfection of security interests
  • Keep informed of market and economic conditions that may impact customers and the related credit risk and other professional banking issues
  • Prepare and review various reports
  • Research industry, market, or other data as needed
  • Compile data for accountants as requested by Loan Officer
  • Complete references of customer as requested by Loan Officer
  • Identify opportunities to refer customers and/or potential customers to other departments for services that may meet their needs
  • Consult with customers to resolve complaints and verify financial and credit transactions
  • Perform on-site inspections at customer locations to determine customer performance
  • Assist with interviews and the selection process for hiring new employees for the credit department
  • Recommend and implement changes or procedures for the credit department-i.e. software, write-up templates, training, etc.
  • Assign duties to credit analyst I and II's based on skills and experience
  • Facilitate performance reviews in accordance with quality and quantity requirements
  • Recommend transfer or promotion within the credit department
  • Administer discipline to correct misconduct or inadequate performance of job duties with the authority to recommend discharge of employees within the credit department
  • Provide superior level of customer relations and promote customer service through coaching, guidance, and motivation
ADDITIONAL RESPONSIBLITIES
  • Perform other related duties and responsibilities as assigned by management.
Requirements

EDUCATION & EXPERIENCE
  • Bachelor's degree required or equivalent work experience
  • Minimum of five (5) years of experience in similar job duties

Central Bank is an Equal Opportunity Employer.

All qualified applicants will receive consideration without regard to race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, disability, medical condition, sexual orientation, gender identity, status as a protected veteran, or any other characteristic protected by law.

We make all reasonable accommodations to meet the obligations under the Americans with Disabilities Act (ADA) and applicable state disability laws.

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