Credit Analyst – Des Moines

Position:
Credit Analyst

Department:
Credit Administration

Location:
Des Moines, IA (on-site)

Status:
Full-Time/Salary Jump start your career at Equity Bank
! We are currently hiring energetic, team oriented, and community focused individuals to join our team! With a team of best-in-class customer service experts, you’ll help to build and expand on client relationships, deliver the banking products and services that meet the unique and individual needs of clients, and create and uphold an atmosphere of superior experience and service. At Equity Bank we’ll help you invest in your community through volunteer opportunities which align with our company initiatives and core values.

• Use customer-provided information to produce consistent financial spreads.
• Analyze the produced financial spreads with analysis emphasis on all financial activities of the borrower.
• Identifies material changes and / or trends in the balance sheet and income statement.
• Completes deal specific and global cash flow analysis.
• Identifies and analyzes the adequacy of the collateral securing the loan(s).
• Creates a well-written credit presentation /annual review that is reader friendly and effectively exemplifies the “true” position that Equity Bank maintains with respect to the credit facility(ies) under discussion.

• Utilize written and oral communication skills to obtain all the needed information for any requests/annual reviews that are under discussion in a timely manner.
• In conjunction with Loan Officer contacts customers, CPAs and advisors when needed.
• Confirm all credit applications/annual reviews with officers in order to present the Approval Authorities with the best, most accurate product so that they can make an educated decision on the loan(s) under discussion.

• Loan Policy, underwriting guidelines and credit procedures.
• Commercial loan types and their uses in loan structuring.
• Commercial loan documentation including security documents (UCCs, Security Agreements, Real Estate Mortgages, Assignment of Leases and Rents).
• Real estate appraisals and evaluations, both internal and from 3^rd^ party vendors.
• Environmental reports.

• Utilize written and oral communication skills to relay and acquire information to and from customers, CPAs and advisors.
• Develop and maintain a positive professional image for Equity Bank.
• Create a friendly, customer service image to customers.

• Manage Other Related Projects as assigned, including:
• Financial Covenant Monitoring / Approval.
• Borrowing Base Certificate Monitoring / Approval.
• Prepare Weekly, Monthly, Quarterly, and Annual Reports as assigned.

• Bachelor’s degree in finance, Accounting, Economics, Business Administration, or a related field.
• High level of accuracy and attention to detail to identify risk factors and ensure quality in credit evaluations.
• Ability to think critically and make informed decisions based on a thorough analysis of credit data.
• Effective written and verbal communication skills to clearly convey credit analysis findings and recommendations to stakeholders, including senior management.
• Proficiency in Microsoft Office Suite,…