Credit Analyst Ii

CREDIT ANALYST II

Located in Central Arkansas in the Credit Department. Reports to Senior Credit Analyst. Full-time position.

Under general supervision and guidance of the Senior Credit Analyst, the Credit Analyst II is responsible for analyzing and projecting credit and financial information on various types of loans for customers applying for credit or loans to determine the risk that the bank will not recoup funds loaned. The level of risk is then used to determine if a loan or line of credit will be granted, and if so, the terms of the loan, including interest rate.

The Credit Analyst II prepares reports based upon their findings to help make decisions on lending and credit‑worthiness. Work is highly confidential in nature and involves the skilled use of a computer.

• Evaluate borrowers’ credit data and financial statements to determine the degree of risk involved in lending money and monitor trends and conditions
• Spread financial statements into financial software
• Maintain and update tracking software program for financial exceptions
• Create Excel worksheets to organize, analyze, present, and store data
• Prepare reports surrounding the degree of risk in lending money to borrowers
• Determine and alert senior management as to potential problem situations surfacing from analytical investigations
• Analyze borrower records, using the data to recommend payment plans
• Confer with credit associations and references to exchange credit information on borrowers
• Provide assistance in preparation and presentation of loan proposal packets, including the credit analysis and loan request summaries; submit to loan committees for review and approval
• Verify covenant information and note exceptions
• Prepare monthly reports for senior management
• Reconcile credit files and identify discrepancies and variances
• Remain abreast of company’s lending protocols
• Successfully complete compliance training; adhere to internal controls and procedures; understand and comply with bank policies as well as regulations and laws applicable to the position
• Maintain utmost confidentiality and professionalism in dealing with others
• Perform any other related duties as may be required or assigned

• Champion the MNB mission statement with pride and enthusiasm
• Maintain a high level of cooperation and rapport among team members to ensure accuracy and efficient operations and service
• Perform all aspects of your position with a coachable spirit
• Collaborate in the sharing of new ideas that will drive the organization’s bottom line
• Participate in volunteer opportunities surrounding the bank
• Exhibit professionalism at all times

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 qualified individuals with disabilities to perform the essential functions. There are no harmful environmental conditions. The noise level in the work environment is usually moderate and that of a typical office setting.

This position is not considered safety sensitive as defined by the MNB Drug‑Free Workplace Policy.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

MNB is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, age, sex, sexual orientation, gender identity, marital status, pregnancy, status as a protected veteran, status as a qualified individual with a disability, or any other basis that may be determined by law.

• High school diploma or GED required
• Bachelor’s Degree in Accounting or Finance preferred
• Minimum five (5) years commercial credit analyst, underwriter, and/or commerical lending experience required

• Exhibit ability to…