Credit Analyst 1

Park Bank is hiring for our next Credit Analyst and we want to talk with you! Join a top performing Commercial Credit Underwriting team and help take our commercial lending function to the next level! Within this department you will find a wonderful group of people with years of experience and happy to help you learn the ropes. You will be in a supportive and engaging environment as you help your fellow Madison/Dane County businesses get to their Next. Park Bank is a community bank if youre looking to shift your career to a truly community focused institution (we mean it its what we do!) and plant your roots somewhere long term then we want to talk to you!

As Park Banks next Credit Analyst you have an educational background in business and some finance and or banking experience. Ambition attention to detail and effective communication are your strong suits. You are passionate about being part of a successful team which provides a positive impact on the community. As a Credit Analyst you will conduct thorough research to assess various aspects of creditworthiness for new clients. This includes evaluating the character capacity capital collateral and conditions related to each request. Effectively researching and communicating your viewpoint will come naturally to you as your authentic desire to learn about our clients and understand each client relationship is important to you. You have an eye for key factors which typically indicate whether financial success of a loan is likely and you are able to discuss these items with candor and understanding. You are interested in the economic factors that affect us at the national level and especially in our local market. You appreciate the opportunity to work for an organization that values philanthropy and encourages volunteering on company time.

Essential Functions & Duties

Develop and present credit information for use by lending officers or committees in making lending decisions on new loans and loan renewals

Offer opinions and present facts regarding credit worthiness

Prepare and analyze financial statement spreads and other related financial documents

Create Loan Committee and Board presentations for loan approval

Monitor files to assure up-to-date financial statements accounts receivable and other items are available

Determine the need for more thorough investigation of additional information; contact appropriate sources for such information

Identify loan exceptions and areas to improve the completeness of credit and collateral files

Review developing problems and keep loan officers and management informed

Research industry specific information from outside sources

Monitor partial releases remaining loan balance and collateral position for real estate development related loans

Review and update all credit loan and collateral files to ensure that information is current reporting any difficulties to the loan officers

Provide administrative assistance for originating and servicing commercial loans

Close loan renewals and assisting lenders with new loan closings

Manage exception lists and request information from client or loan officer

Assist and provide back-up support to the Business Bankers

Review loan requests; order credit reports requests for title and lien searches; ordering appraisals surveys and title insurance commitments

Provide basic technical guidance to loan officers as needed

Required Education and Experience

Associate degree or post-secondary classes/degree

Minimum 2 years experience in Analyst and/or business finance role; or equivalent combination of education and experience

Preferred Education and Experience

Degree in Business Economics Finance or related field

Why Work for Park Bank

Robust Benefit Package Including Medical Dental Vision etc.

Four Different Benefit Packages to Choose What Fits Your Needs Best

10 Paid Holidays (Including Your Birthday)

PTO That Increases Each Year of Service

Generous 401K Company Match

Wellness Reimbursement Program

Associate Resource Groups (ARGs)

Eligibility to participate in Bank-wide Bonus Program

Hybrid Work Schedule Available

And more!

• Park Bank is a drug free workplace. All candidates selected for new employment with Park Bank will be required to submit to drug testing after a conditional offer of employment. Employment is contingent on the associate passing the drug test.
• Credit Criminal and Driving history will be reviewed when making final employment decisions consistent with applicable laws.
• Park Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender identity national origin disability status and protected veteran status.
• Park Bank is committed to providing individuals with disabilities with reasonable accommodations in its job application and hiring process. If you have difficulty using our online application system because of a disability you may contact us at the following email address and phone number: or 608.301.8674.
• The Immigration Reform and Control Act of 1986 require employers to verify the employment status of each person hired.
• Through UnitedHealthcare UMR and HealthSCOPE Benefits is the published Machine-Readable Files on behalf of Park Bank. Please click to review: Transparency in Coverage