Loan Analyst

Job Description

The Loan Analyst coordinates the loan analysis activities for the Credit Administration Department. They assist commercial lenders with credit analysis and credit approval packages; perform analysis of financial statements, cash flows, and pricing analysis; complete the background portion of the credit approval package; prepare presentation materials for new and additional credit proposals; and independently research and analyze company and industry data.

The Loan Analyst may provide recommendations for loan terms and pricing structure to commercial loan officers and organize loan information sent to the Senior Loan Committee weekly. They will assist with lending analysis for other area branches as needed and when available.

• Must be at least 18 years old
• High school diploma or GED required
• Experience helpful, particularly in a financial environment
• Familiarity with general loan documentation helpful
• Accurate and attentive to detail
• Well organized
• Good typing skills
• Willing and able to help others
• Able to use a computer, adding machine, copy machine, and basic business equipment
• Able to get along well with coworkers
• Knowledge of Microsoft Office computer applications

• Maintains a database of all loans analyzed including any recommendations for changes
• Gathers and analyzes financial data for commercial loans including, but not limited to, preparing cash flow analysis, financial statement spreads, and agricultural budgets and reconciliations
• Prepares credit memorandums in concert with lending officers for presentation to the Senior Loan Committee
• Studies economic trends in banking industry in order to predict probable success of new customer
• Conducts collateral inspections in order to determine risk involved with loans
• Assesses risk on commercial credits including loans secured by real estate and agricultural credits, reviews loans terms and pricing structure, and makes recommendations for modifications or changes according to lending guidelines and or guidance from the Vice President Branch Manager or Credit Administration
• Assists in the preparation of Senior Loan Committee reports and forwards loan files to Senior Loan Committee for review and approval
• Provides assistance to commercial lenders in area branches when necessary or available
• Maintains and projects the Bank's professional reputation
• Keeps management informed of area activities and any significant problems or concerns
• Attends meetings as required
• Serves as a representative for D.L. Evans Bank in the community
• Promotes D.L. Evans Bank at all times
• Completes special projects as assigned

D.L. Evans Bank is an Equal Opportunity Employer – veterans/individuals with disabilities. VEVRAA Federal Contractor. EOE/AA/Vets/IWD.

• Medical Insurance
• Dental Insurance
• Vision Insurance
• FSA
• 401(k)
• Employee Stock Ownership Plan
• Paid Vacation
• Sick Time
• Life Insurance
• Long-term Disability Insurance