Credit Analyst

CORPORATE VALUES AND EXPECTATIONS - FIVE TO THRIVE
•    Impressive Customer Experience - creating a positive and memorable experience for the customer that makes them feel valued and appreciated. Building strong relationships with customers and demonstrating a genuine commitment to their satisfaction and success.
•    World Class Employee Development - helping employees acquire new skills, knowledge, and competencies to succeed in their current role and prepare for future career opportunities.
•    Uncommon Ownership - taking personal responsibility for one's work, actions, and outcomes, and treating the organization's goals and resources as if they were one's own.
•    Community Champions - actively and passionately advocating for the needs and interests of a community and working to build stronger and more vibrant communities.
•    Healthy Habits - regularly practicing behaviors that promote physical, mental, and emotional well-being.

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

This position can be located in the Phelps County or Greene County Market. Please complete the application for the location you are most interested in.

     This posting is for the Phelps County Market.

SUMMARY OF POSITION
Responsible for the completion of loan credit analysis for new and existing projects by performing the following duties.

ESSENTIAL JOB FUNCTIONS (Other duties may be assigned)
Financial Monitoring: 
•    Track and maintain current financial information for commercial relationships.
Credit Analysis & Loan Review:
•    Prepare spreadsheets and written financial reports to assist lenders and management in making informed credit decisions.
•    Within six months of hire, independently prepare written analyses for: 
o    All commercial loans
o    Large aggregate lending to one borrower
o    Complex and underperforming credits
•    Systematically audit credit files for adequacy and deficiencies, report findings to the Director of Credit.
Loan Ratings & Risk Monitoring: 
•    Determine loan ratings and maintain the watch list
•    Prepare the Current Expected Credit Loss report
Reporting: 
•    Prepare and disseminate: 
o    Technical exception reports, 
o    non-conforming loan reports, 
o    concentration of credit reports
Appraisal & Collateral Oversight: 
•    Prepare property appraisal review reports
•    Conduct collateral inspections for construction, equipment, and inventory.
Consumer Loan Oversight: 
•    Assist with quality control audits on consumer loans.
Regulatory Preparation: 
•    Support preparation for internal and external audits and regulatory examinations.
Committee Participation: 
•    Attend loan committee meetings regularly to present findings and support decision-making.
Community Reinvestment Act: 
•    Maintain CRA-related files and documentation, including loan data, investment records, and service logs
•    Assist in preparing CRA performance evaluations and regulatory exam materials
•    Compile reports on community development loans, qualified investments, and services by geographic area and activity type

QUALIFICATIONS AND EDUCATION REQUIREMENTS
•    High school diploma or general education degree (GED).
•    1-3 years related banking experience and/or training preferred.
•    Or equivalent combination of education and experience.

REQUIRED SKILLS
•    Must be a self-starter who can complete tasks with little-to-no supervision.  Must demonstrate a team-first attitude and voluntarily answer phone calls, respond to emails, and complete variable tasks.
•    Reading and interpreting various documents and policies, writing reports, and communicating effectively and appropriately with colleagues and customers.
•    Strong fundamental mathematical skills and attention to detail.
•    Problem solving and troubleshooting practical problems.
•    Ability to learn new tools, software, and equipment at a fast pace.

PHYSICAL REQUIREMENTS
•    While performing the duties of this job, the employee is regularly required to stand and talk or hear. The employee frequently is required to walk; use hands to handle or feel; and reach with hands and arms. The employee is occasionally required to sit; climb or balance; and stoop, kneel, crouch or crawl.  

WORK ENVIRONMENT
•    Indoor climate controlled.
•    The noise level is typically moderate.
•    Breaks are allowed throughout the day. 
•    Close proximity to other co-workers and customers may be required.