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Credit Analyst 2
Location:
Hills, IA
Description:
SCHEDULE: Full-time Monday through Friday (8:00 am - 4:30 pm) For an average of 40 hours/week LOCATION: Johnson County or Linn County Area (Hybrid Option) BENEFITS : Our employees are our most valuable assets, so we invest in them with a comprehensive and competitive benefits package. Our philosophy of taking care of the customer extends to taking care of our employees so that they, in turn, can take good care of themselves and their families. Join Hills Bank and let us surprise you with even more perks! SCOPE: The primary responsibility of the Credit Analyst II is to assist with the commercial and agricultural credit functions of Hills Bank. These functions include the underwriting of loans originated by the Commercial Lending Staff and reviewing of existing credit relationships in the financial review process. These duties include the reviewing and analyzing of financial information, determining adherence to loan policy, and assigning risk ratings to the existing relationships. Additional duties within the position include the assisting with the preparation of monthly asset quality reports, financial information spreading, reviewing of external appraisals and internal evaluations, and special projects as needed. The ideal candidate for the position will have excellent communication skills, ability to multi-task and meet deadlines, and have an acute attention to detail while working independently in a fast-paced environment. ACCOUNTABILITIES: Credit Underwriting Collaborate with the Commercial Lending staff in the preparation of credit loan applications through the credit underwriting process. Underwriting would include determining the adequacy of the primary and secondary repayment source, analysis of financial information, formatting requests to adhere to loan policy, and assessing overall risk to bank capital. Provide ongoing support and guidance to Commercial Banking staff by providing recommendations on loan structuring, credit worthiness of customers, and adherence to loan policy. Basic proficiency in understanding company and personal financials including the comprehension and analysis of income statements, balance sheets, cash flows, tax returns, and credit reports. Participate in weekly credit committee by managing the overhead visuals, documenting approvals and changes within applications, and routing applications once approved. Coordinate the preparation of loan applications for the Board Meeting. Asset Quality Perform financial reviews by analyzing financial information received from existing loan customers. The financial review process involves making an assessment of the credit quality of the relationship, assigning risk ratings to the relationship, and documenting the decision to maintain asset quality. Communicate credit risk rating, loan policy exceptions, and recommendations for credit improvements to the Commercial Lending staff on their existing portfolio. Other Responsibilities Complete the financial information spreading on all commercial loan types and credit relationships. Assist with the commercial credit card approval process. Review and approve of internal property evaluations in accordance to FIRREA. Preparation of monthly and quarterly asset quality related reports and other portfolio monitoring reports. Work on other credit related projects as directed by the Senior Vice President, Credit Underwriting. Community Involvement As part of the overall team of bank employees, this position will be requested to help support and participate in other bank activities. Other Duties Perform other duties as assigned. EDUCATION AND SPECIAL REQUIREMENTS: Bachelor's degree (B.A.) from a four-year college or university in the field of business, including specific courses in accounting, finance, and economics; and two to three years banking experience and/or training; or equivalent combination of education and experience. Ability to read and analyze financial statements, tax returns, credit reports, and loan documents preferred. This job requires skills needed in a typical office environment. This includes computer skills, communications skills, as well as utilization of office equipment. Must sign a non-compete. EQUAL OPPORTUNITY EMPLOYER Job Posted by ApplicantPro
Company:
Hills Bank
Posted:
December 26 2023 on ApplicantPro
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More About this Listing: Credit Analyst 2
Credit Analyst 2 is a Accounting & Finance Credit Analyst Job at Hills Bank located in Hills IA. Find other listings like Credit Analyst 2 by searching Oodle for Accounting & Finance Credit Analyst Jobs.
Credit Analyst 2 is a Accounting & Finance Credit Analyst Job at Hills Bank located in Hills IA. Find other listings like Credit Analyst 2 by searching Oodle for Accounting & Finance Credit Analyst Jobs.