Credit Analyst

Responsibilities include, but are not limited to: Perform credit analyses and financial statement reviews on commercial and ag loan relationships. Create professional credit presentations that summarize borrower’s financial condition and evaluate repayment capacity and collateral coverage. Make recommendations, tied to analysis, to loan officers and/or loan committee. Monitor loan requests and assign risk ratings that are based on established written lending policies and regulatory guidelines. Research industry specific information from outside sources and provide analysis. Investigate all available sources of credit and financial information, including credit bureaus, Experian Business Credit, the Risk Management Association, industry trends and other companies. Review work of analysts and provide feedback. Meet with commercial customers of the Bank on a scheduled basis in conjunction with the loan officers to foster relationships and enhance the Bank’s understanding of credits. Complete credit administration tasks as assigned, including, but not limited to, annual reviews, financial covenant tracking, and borrowing base tracking.  Complete required training associated with job function. Other duties and special projects as assigned. Qualifications Education/Experience: Bachelor’s degree in Accounting, Finance, or Business Administration and/or commensurate banking experience. Knowledge of spreadsheet and word processing software, specifically Excel, Word, and Microsoft Office. Formal training in Microsoft Excel preferred. Skills: Detail-oriented Strong communication skills Analytical in nature Possess stronger than average time management, organization, and multi-tasking skills Business writing skills Comfortable in a team environment working with deadlines

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