Credit Analyst II

Job Description

Works primarily as support personnel for the lending division through spreading and analyzing financial statement and tax return data. Prepares business and individual financial statement spreadsheets and cash flow statements. Develops and maintains specialized spreadsheets and templates. Occasional customer contact to obtain financial information. Performs other duties as requested by Credit Manager. Position requires in‑person work days, 3 days a week, in Baton Rouge, LA.

• College Degree, preferably with emphasis in finance or business
• Previous credit analysis experience or training
• Fundamental understanding of basic accounting and financial ratios
• Detailed understanding of Microsoft Excel

• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Generate financial ratios, using computer programs, to evaluate customers' financial status.
• Explain changes in financial conditions, and understand ratios.
• Prepare most credit packages independently, with Manager’s guidance on complex relationships or loan requests.
• Complete informative credit analysis memorandums.
• Consult with customers to verify financial and credit transactions.
• Prepare reports that include the degree of risk involved in extending credit or lending money.
• Complete credit analysis memorandums, including analyzing spreads, summaries of loan requests, and submit to loan committees for approval.
• Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
• Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans.
• Evaluate customer records and recommend payment plans based on earnings, liquidity, payment history, and purchase activity.
• Confer with credit association and other business representatives to exchange credit information.
• Confidently answer credit questions presented in committee.

This job has no direct supervisory responsibilities.

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.

While performing the duties of this job, the employee is frequently required to sit, stand; walk; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 15 pounds and occasionally lift and/or move up to 25 pounds.

Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision and ability to adjust focus.

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Employee is required to maintain a valid driver’s license and provide own reliable transportation. This position requires travel within a 100 mile radius.

Bonvenu is a Louisiana bank, through and through. From our above‑and‑beyond customer service to our widespread community involvement, everything we do is for the well‑being of our area and its people. Even our name is locally inspired – a combination of “Bon” (the French word for ‘good’) and “Bienvenu” (the French phrase for ‘welcome’).