The Credit Analysts position will be responsible for performing credit analysis and credit file support for commercial and ag lenders at BANK.
List of Responsibilities
Work with commercial and ag lenders to collect information for credit analysis Ensure relevant and required information is collected in order to perform correct credit analysis. Communicate with lender any documentation that is missing for credit analysis
Commercial and ag credit analysis. Once all relevant information is received from lender, perform underwriting analysis using information provided and information sourced (credit reports, UCC searches, etc.) to underwrite credit request or annual review.
Underwriting analysis will include tax analysis, financial statement analysis of income statements and balance sheets, cash/accrual conversions, etc. Analysis may involve multiple borrowers and corporate entities. Calculate size of prudent size of credit lines, guidance lines, borrowing bases, etc. Use WebEquity and other BANK tools (e.g. spreadsheets) to input and conduct credit analysis
Communicate and work with relevant lender once credit analysis is complete.
Loan document creation. Create relevant loan documentation (promissory notes, security documents, etc.) for approved credits including commercial, ag, and consumer loans as needed.
Credit file administration. Collect and organize all relevant and required documentation for credit files. Follow up with external and internal resources to receive necessary documentation. Work with loan reviewer(s) to ensure files are reviewed and any documentation exceptions cleared
Other tasks as assigned by manager
Minimum 3 years credit analyst experience
Experience with various commercial credit and agricultural credit requests
With a proud history of one-on-one banking relationships, BANK maintains its commitment to putting the customer first. Our team is dedicated to providing a unique solution for each client’s needs and ensuring every customer has a fantastic experience. At BANK, we strive every day to add value to our customers lives. Our dedication to employees, customers, and community makes BANK a special place.