Credit Analyst I responsible for analyzing credit requests from commercial and agricultural members. Working with Business Account Managers to ensure credit quality is maintained and risks are mitigated.
Responsibilities
Conducting comprehensive analysis of incoming credit requests from commercial and agricultural members
Identifying strengths, weaknesses and risks of the requests and recommending appropriate risk mitigation strategies
Working alongside Business Account Managers to conduct thorough credit, risk, financial, security, and industry analysis of business and agricultural credit requests
Regularly completing files submitted by the Business Account Manager I/II team with requested amounts ranging from $0-$2.5 million
Assessing creditworthiness of business and agricultural members
Evaluating credit risk through analysis of existing account performance, debt repaying history, business income earnings, and purchase activities
Conducting thorough analysis of collateral valuation, financial statements, projections, cost estimates, and environmental and industry factors
Presenting analysis, findings, and recommendations clearly within the Business Credit Application
Preparing supporting documents to support analysis of credit applications
Ensuring appropriate Security Documentation and instructions are clearly laid out
Auditing existing member documentation to ensure proper documentation is held on file
Keeping current with business issues that affect market trends and sharing beneficial information
Requirements
Post-secondary education in business, economics or agriculture or equivalent combination of education and work experience
One year experience in a business banking role preferred
Developing ability to identify risks, issues, concerns within a file
Developing ability to provide/position appropriate risk mitigation recommendations within the file
Demonstrated desire to serve others in a friendly and professional manner
Ability to identify and willingness to assist with sales and service opportunities
Strong interpersonal and communication skills, both verbal and written
Superb analytical and problem-solving skills, ability to analyze, identify and mitigate risks in complex credit requests
Ability to build trust and credibility with team members throughout the organization
Ability to work in a fast-paced team environment and perform well under pressure
Ability to prioritize using sound judgment to make timely and effective decisions
Superb attention to detail with exceptional degree of accuracy
Strong knowledge of risk management within the financial industry
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