Credit Analyst III

EOE Statement We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law.

Administration

Position Title:

Credit Analyst I, II & III

Title of Supervisor:
Senior Credit Analyst Lead & Supervisor/Assistant Vice President

Grade: 9 - 11

River Valley Community Bank is a premier community bank, committed to meeting the needs of our clients with relationship‑oriented products and services while creating an environment for our employees to develop and prosper producing enhanced shareholder value. At our bank you will be part of a welcoming and collaborative team, all of whom take great satisfaction in the confident and efficient delivery of banking solutions that drive an exceptional client experience.

We take great pride in the trust we have earned and relationships we have established with our customers. We are also proud of and support our employee involvement in community activities and volunteerism in the markets we serve.

Summary of the Position

Provides financial analysis for all types of new and renewal loans at the direction of the Senior Credit Analyst and/or Chief Credit Officer. Provides loan support where needed to ensure timely processing of loan files according to bank policies and procedures. Ensures accurate analysis and responsive turn‑around times that satisfy quality service standards.

Duties and Responsibilities

• Audits loan files and application packages for completeness. Prepares a “needs list” for review by assigned Loan Officer or Portfolio Manager and assists with the collection of required loan documentation with direction from the Loan Officer, Relationship Manager or Portfolio Manager, as needed.
• Assembles new and renewal loan files and reviews files for compliance and completeness.
• Assists with the preparation and reconciliation of financial spreadsheets which includes the input of financial data into the banks spreading software.
• Responsible for the upkeep and monitoring of the financial covenant tickler report.
• Ensures electronic files are organized in a satisfactory manner according to bank guidelines.
• Works closely with loan officer or portfolio manager in the loan process to ensure timely submission of the completed loan file to Credit Administration.
• Requests third‑party reports including but not limited to credit reports, flood certifications, preliminary title reports, environmental and appraisal/evaluation reports.
• Interacts with Credit Administration, Loan Operations, and other related personnel as needed for loan maintenance and/or troubleshooting.
• Reviews & audits loan files in preparation for loan documentation and submission to Loan Operations. This process includes, but is not limited to, the preparation of financial certifications, file checklists, and satisfaction of pre‑closing loan conditions. Works closely with other credit team members (Loan Officer, RM or Portfolio Manager) to ensure complete and timely files to Loan Operations.
• Is familiar and complies with applicable company policies and all banking regulations including, but not limited to BSA, USA Patriot/CIP requirements, AML, and all Fair Lending, CRA and Compliance related regulations. Other duties as assigned.

Summary of the Position

Provides semi‑complex financial analysis for all types of new and renewal loans at the direction of the assigned credit officer. Ensures accurate analysis and responsive turn‑around times that satisfy quality service standards.

One or more years of banking, finance, or related experience, such as real estate.

In addition to the duties and responsibilities of Credit Analyst I, the Credit Analyst II should have the ability to provide accurate analysis of financial statements and tax returns independently.

• Review business and/or personal credit reports accurately.
• Communicates with credit applicants when necessary to develop information concerning their business needs and earnings to determine whether a loan may be an acceptable…