Credit Analyst Ii

Provides leadership to credit analysts. Ensures timely and accurate completion of all credit analysis functions.

• Prepares complete and concise financial analyses by obtaining necessary information from the lender. Financial analyses will focus on financial trends and repayment capacity of obligors.
• Attends loan committee meetings, as necessary, to assist in the presentation and clarification of credit requests.
• Supervises, trains and directs credit analyst(s) including periodic review of analysis.
• Serves as a resource for the bank’s loan documentation software.
• Some analyst positions ensure adequacy of bank’s collateral position by monitoring construction draw requests/inspections, borrowing base certificates/inspections, and livestock inspections. Audit of specific collateral reports may be required to ensure accuracy.
• May participate in asset reviews as requested, including real estate inspections and any other on-site inspections deemed necessary.
• Maintains strict confidentiality of credit information.
• Performs other duties as assigned.
• Regular and reliable attendance.

• Knowledge of bank operations, policies, and procedures.
• Knowledge of loan analysis and accounting.
• Knowledge of loan analysis software and Suntell software.
• Skill in communicating effectively with management, customers, and co-workers.
• Skill in managing employees.
• Ability to pay close attention to detail and work with a high degree of accuracy.
• Ability to create an organized efficient work environment without supervision.
• Ability to work under pressure of deadlines.
• Ability to function as a team player.

• High School diploma or equivalent experience in banking.
• College degree in business, finance, economics or accounting preferred.

Seeing: 75-100% Must be able to read reports, see computer screen, visit customer sites
Hearing: 50-74% Must be able to communicate with co-workers
Standing/Walking: 25-49% Must be able to run errands for the bank, make large quantities of copies.
Climbing/Stooping/Kneeling: 0-24% Must be able to obtain files.
Lifting/Pulling/Pushing: 25-49% Must be able to lift files daily.
Fingering/Grasping/Feeling: 75-100% Must be able to use computer, write separate reports
PHYSICAL DIMENSIONS:
Light Work:
Exerting up to 20 pounds of force occasionally, and/or a negotiable amount of force frequently or constantly to lift, carry or otherwise move objects. Job involves sitting most of the time and walking and standing some of the time.

More Details Minimum of 3-5 years’ experience with Investor & Developer real estate lending, commercial and residential real estate lending, and C & I underwriting.