*Position is not eligible for remote work. Job Code
CREDANL | Job Family
| Supervisory
No |
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Job Summary | The Credit Analyst will conduct credit investigations and analyze credit information pertaining to loans. This position evaluates the credit-worthiness of borrowers and determines the likelihood that a borrower will be able to meet financial obligations and pay back a loan by reviewing the borrower's financial history and projecting future income. |
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Essential Functions, Duties and Responsibilities include, but are not limited to: | - Investigates and reviews all available sources of credit and financial information for individuals and companies including, but not limited to, company audits, tax returns, and management prepared statements; individual tax returns and financial statements; and farm analysis statements
| - Interprets and enters financial information into software system
| - Researches and examines credit risks, evaluates customer credit reports
| - Analyzes financial information to predict patterns and trends, often projecting future income
| - Determines customer’s cash flow and risk profile according to Bank credit policy
| - Prepares spreads, creates cash flow spreadsheets, presents facts, and offers opinions concerning credit-worthiness
| - Assists lenders in gathering and interpreting financial information from customers, accountants, and bookkeepers
| - Scans work papers, maintains customer information files, and works log
| - Maintains knowledge of available financial and loan products, processing procedures, and underwriting guidelines
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Education, Experience and Qualifications | Education | Required/Preferred | Education Level | Description | Required | High School or GED | | Preferred | Bachelors Degree | Degree in finance, accounting, or related field preferred |
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| Years of Experience | Minimum | Comments | 2 | A minimum of two (2) years of experience in finance, accounting, or related field preferred |
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| License / Certification | Required/Preferred | License / Certification | Description |
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| Additional Qualifications | - Computer experience required; experience with Microsoft Excel required
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Core Competencies | - Analytical thinking skills
| | - Knowledge of finance and accounting concepts and practices
| - Oral and written communication skills
| - Time management skills and ability to meet deadlines
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Working Conditions | Working Conditions | Indoors, environmentally controlled. Usual office working conditions. The noise level in the work environment is typical of most office environments with telephones, personal interruptions, and background noises. |
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| Travel Requirements | Requirement | Frequency | No travel required | Never or Rarely |
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| Mandatory Vacation | Mandatory vacation not required |
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Physical Requirements | Requirement | Frequency | Sitting (remaining in a seated position) | Constantly | Standing (remaining on one’s feet in an upright position without moving about) | Occasionally | Walking (moving about on one’s feet) | Occasionally | Lifting (raising or lowering an object from one level to another) | Never or Rarely | Carrying (transporting an object, usually by holding it in the hands or arms or on the shoulder) | Occasionally | Pushing/Pulling (exerting force upon an object so that the object moves away or toward the force) | Never or Rarely | Reaching (extending hand(s) and arm(s) in any direction, such as overhead, below waist, forward or lateral) | Never or Rarely | Keyboarding (entering text or data using computer keyboard or 10-key numeric keyboard) | Constantly | Pinching/Gripping (seizing, holding, grasping, turning or otherwise working with the hand(s) or fingers) | Occasionally | Stooping (bending downward and forward by bending spine at the waist) | Never or Rarely | Squatting/Crouching (bending body downward and forward by bending legs and spine) | Never or Rarely | Kneeling (bending legs at knees to come to rest on knee(s)) | Never or Rarely | Crawling (moving about on hand and knees or hands and feet) | Never or Rarely | Climbing (ascending or descending ladders, stairs, ramps) | Never or Rarely | Speaking (expressing or exchanging ideas by means of the spoken word to impart oral information to customers and to convey detailed spoken instructions accurately, loudly, or quickly) | Occasionally | Hearing (the ability to hear, understand, and distinguish speech, either in person or telephonically) | Occasionally | Near Visual Acuity (clarity of vision at approximately 20 inches or less) | Frequently | Far Visual Acuity (clarity of vision at approximately 20 feet or more) | Occasionally |
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| Additional Physical Requirements | |
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