Senior Credit Analyst
POSITION TITLE: Senior Credit Analyst
LOCATION: Forest City
DEPARTMENT: Lending Department
REPORTS TO: Sr Vice President – Senior Lender
CLOSES: Until fulfilled
SUMMARY: Prepare and analyze tax returns and financial statement spreads for loan presentations. Monitor loan files for completeness and overall adherence to loan policy. Accompanying lenders on limited outside sales calling efforts to expand customer base and services. Limited involvement in cross-selling bank services and sales referrals. Perform routine duties with minimal supervision.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following:
1. Credit Analysis and Monitoring Credit Files
- Timely and accurate loan presentations including financial spreads.
- Timely elimination of credit file exceptions.
- Assist bank in maintaining a quality loan portfolio.
- Compliance with banking industry regulations; federal and state statutes and applicable bank policies
- Quality service delivery and positive customer staff and community relations.
- Timely identification and reporting of past-due accounts.
NATURE AND SCOPE:
Work requires an extensive knowledge of financial analysis. Involves the exercise of judgment in the analysis of facts or conditions within the specifications of standard practice. Requires occasional supervision while working toward a definite objective using a wide range of procedures.
This position requires no direct supervision of others; however, it does require the applicant to help in training and share their proficiency in credit analysis.
Education and/or Experience:
Minimum of five years of credit analyst experience is required. A college degree with advanced knowledge or training in business, finance or accounting preferred.
Possesses strong oral and written communication skills and interpersonal skills to professionally communicate with customers and other staff members their concerns and questions. Ability to identify customer needs.
Ability to comprehend complex mathematical calculations. Knows and understands general accounting procedures.
Ability to obtain knowledge in the use of basic office equipment, including, but not limited to: PC Computer with mouse, Copier, Printer, Fax Machine, Telephone, 10-key Calculator, and Typewriter. Knowledge and usage of Web Equity, JH Experience, Excel, Word, Laser Pro, Outlook, and other software as needed.
The analytical ability to conduct an analysis of an applicant’s credit status and recommend alternatives where the analysis reveals an insufficient financial posture. Ability to use common sense and logic for problem solving. Knows and understands basic compliance. A high level of interpersonal and listening skills to conduct productive interview sessions with applicants and for customer referrals. Know and understand our bank policy including recognizing exceptions to policy.
Arrives at workstation on time, ready to work.
Knows and uses proper business etiquette
Contributes to a team atmosphere, gets along well with supervisor and peers
Shows professional appearance and presentation
Adheres to all policies, guidelines, and procedures
Maintains confidentiality of all customer and employee information
Completes all duties in a neat, orderly, and timely manner
Active in business and community affairs
PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Requires employee to sit at desk with periods of walking or standing. Ability to go up and down stairs. Filing at ground level and eye level. Must be able to receive customer and staff requests and assignments through verbal and written communication. Working with a computer is important, so clear vision of the screen is imperative and for long periods of time. Must be able to lift up to 50 lbs.
WORK ENVIRONMENT: The work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform functions. Must be able to handle constant interruptions. Accepts flexibility in workload changes. Maintains productivity standards, composure, accuracy, and a positive attitude during stressful periods, during high volume periods, minimal staffing periods, and during procedural changes.
The above link is a fillable PDF form. Once completed, you can save the form electronically to send in an email or print the form to mail your application.
Application and resume can be emailed to email@example.com or mailed to:
PO BOX 450
Forest City, IA 50436
MBT Bank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age disability status, veteran status or any other characteristic protected by law.