Commercial Credit Analyst II

The Credit Analyst II provides analytical support for commercial and agricultural banking including an independent analysis of creditworthiness of customers and prospects. The position analyzes current credit data, financial statements, and necessary due diligence data of individuals or companies to determine the degree of risk involved in extending credit or lending money. The Credit Analyst II prepares reports with the credit information for use in decision making of concurring approvers.

Essential Duties and Responsibilities

• Responsible for preparing basis and comprehensive credit analyses on commercial loans that facilitates the credit approval process for use by loan officers or committees in the making of lending decisions regarding new, renewal, and extension loans.
• Thoroughly analyze commercial credits which exceed $1.5 million in total credit exposure to the Bank, and agricultural credits which exceed $2.5 million in total credit exposure to the Bank.
• Analyzes information statements and related material and prepares summaries and presents facts, and offers thoughts concerning credit-worthiness.
• Analyzes factors such as income growth, margins, trends, quality of management, market shares, potential risks of industry and collateral appraisals.
• Prepares credit and cash flow analyses; submits credit approval documents and write-ups to appropriate personnel for decision making.
• Monitors compliance with loan agreements.
• Provides support of loan officers and managers through financial statement spreading and analysis of new loan requests and existing credit relationships.
• Participates in deal discussion meetings between lending personnel, market managers and appropriate credit officers.
• Performs duties with supervision of Credit Manager, Director of Credit or Credit Analyst III which will provide opportunity to develop a thorough understanding of various types of lending facilities as well as a variety of companies and industries.
• Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training.
• Performs other duties and responsibilities as assigned.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

Skills

• Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures or governmental regulations. Ability to write reports, business correspondence, and procedures manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
• Ability to solve practical problems and deals with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.

education and/or experience

• BS/BA Degree in Business, Accounting, Finance or a related field is required, and
• 3-5 years’ work related experience and / or training preferred in commercial and agricultural credit analysis

Computer Skills

• MS Office programs, Financial Spreading Software

Other Qualifications (including physical requirements)

• Ability to manage multiple projects.
• Strong analytical and organizational skills.
• Excellent written and verbal communication skills.
• Proficiency in Microsoft Word and Excel.