Credit Analyst II

1. Prepares complete and concise financial analyses by obtaining necessary information from the lender. Financial analyses will focus on financial trends and repayment capacity of obligors. These duties include but are not limited to analysis & interpretation of financial statements evaluation of the financial condition of the borrower relative to the industry economy collateral capacity trends and performance of the borrower.
2. Attends loan committee meetings as necessary to assist in the presentation and clarification of credit requests.
3. Supervises trains and directs credit analyst(s) including periodic review of analysis.
4. Serves as a resource for the banks loan documentation software.
5. Some analyst positions ensure adequacy of banks collateral position by monitoring construction draw requests/inspections borrowing base certificates/inspections and livestock inspections. Audit of specific collateral reports may be required to ensure accuracy.
6. May participates in asset reviews as requested including real estate inspections and any other on-site inspections deemed necessary.
7. Maintains strict confidentiality of credit information.
8. Performs other duties as assigned.
9. Regular and reliable attendance.

• Knowledge of bank operations policies and procedures.
• Knowledge of loan analysis and accounting.
• Knowledge of loan analysis software and Suntell software
• Skill in communicating effectively with management customers and co-workers.
• Skill in managing employees.
• Ability to pay close attention to detail and work with a high degree of accuracy.
• Ability to create an organized efficient work environment without supervision.
• Ability to work under pressure of deadlines.
• Ability to function as a team player.

• High School diploma or equivalent experience in banking.
• College degree in business finance economics or accounting preferred.

More Details