Credit Analyst

Credit Analyst Leadership

Provides leadership to credit analysts. Ensures timely and accurate completion of all credit analysis functions.

Responsibilities and Duties :

• Prepares complete and concise financial analyses by obtaining necessary information from the lender. Financial analyses will focus on financial trends and repayment capacity of obligors. These duties include but are not limited to analysis & interpretation of financial statements, evaluation of the financial condition of the borrower relative to the industry, economy, collateral, capacity, trends, and performance of the borrower.
• Attends loan committee meetings, as necessary, to assist in the presentation and clarification of credit requests.
• Supervises, trains and directs credit analyst(s) including periodic review of analysis.
• Serves as a resource for the bank's loan documentation software.
• Some analyst positions ensure adequacy of bank's collateral position by monitoring construction draw requests / inspections, borrowing base certificates / inspections, and livestock inspections. Audit of specific collateral reports may be required to ensure accuracy.
• May participate in asset reviews as requested, including real estate inspections and any other on-site inspections deemed necessary.
• Maintains strict confidentiality of credit information.
• Performs other duties as assigned.
• Regular and reliable attendance.

Knowledge, Skills, and Abilities :

Education and Experience :