Credit Analyst II
Credit Analyst II
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Not Disclosed
Salary Not Disclosed
1 Vacancy
Job Description
Job Description:
This person reviews loans in accordance with the banks Loan Policy and Guidelines. This person should have a good understanding of all types of commercial and agricultural credits along with the ability to make recommendations on how to minimize the banks exposure and ensure that lending practices conform to established policy.
Qualifications: This person should have a bachelors degree plus three years of work-related experience or the equivalent. This person should be able to analyze routine credits using sound credit judgment with oversight needed for more complex files. Good communication skills an aptitude toward detail and understanding of all Loan Policy and Guidelines .
Principal responsibilities are to:
Analyze and risk rate credit lines and critique the credit classifications assigned by the Loan Officers. The analysis must be consistent with the findings of the appropriate regulatory agencies.
Spread analyze and review financial statements for current and prospective borrowers in a variety of industries using tax returns financial statements credit reports and other reporting as needed or requested. Calculate cash flow for more complex borrowers and guarantors. Analysis may include projections trends and ratio analysis. Summarize and analyze findings in the banks written credit presentation.
Prepare annual reviews on borrowing relationships in accordance with bank loan policy.
Analyze credit requests for the SBA portfolio.
Monitor covenant compliance with loan agreements.
Assist the Credit Analyst Manager in mentoring and training less experienced staff.
Present loan files or credit lines not meeting the standards of Loan Policy and Guidelines to the Credit Analyst Manager with a detailed explanation of the credit exceptions and the recommended action necessary to correct the deficiencies and improve the banks position.
In the event of minor technical documentation discrepancies or identified potential credit weakness communicate directly with the Loan Officer and Credit Analyst Manager requesting correction of the discrepancies and recommending alternatives for improving the credit lines. Perform follow-up action as necessary until corrected.
As needed attend Loan Committee meetings where credit lines are presented for final approval recommended action and classification.
As required perform services and projects for the department and the bank.
Attend Credit Department and other committee meetings as requested by management to participate in decisions that affect ongoing and future operations of the department.
Act in accordance with FBT policies and procedures as set forth in the employee handbook.
Adhere to compliance procedures and participate in compliance training.
The anticipated salary range for this role is between $63545 and $100369. This range is a good faith estimate for the position. The actual compensation offered to a candidate may differ based on various factors including the individuals relevant experience training skills work location and other considerations. For those in eligible roles we offer incentive compensation based on individual performance. Furthermore this role may qualify for a variety of benefits such as Medical Dental and Vision insurance Health Savings Accounts 401(k)/ESOP Paid Time Off Flexible Work Arrangements Paid Parental Leave and Student Loan Repayment Assistance. Learn more at
Compensation Grade
Salary Grade 6First Bank & Trust is an Equal Opportunity Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender identity or expression national origin disability or status as a protected veteran. Read our completeEqual Employment Opportunity Policy Statement. Applicants who would like to request reasonable accommodation to the application or interview process should call Human Resources at 800.843.1552 or email.
Required Experience:
IC
Employment Type
Full-Time
