Bravera Bank is hiring for a Credit Analyst II at any of our locations. Bravera is an employee- and director-owned company that is committed to helping our employees forge a new path in their career. We work together to drive continuous improvement which enhances the customers experience and keeps our organization moving forward.
This position is responsible for analyzing borrowers’ financial statements to determine the degree of risk involved in extending credit to Agricultural and Commercial businesses. Will compile credit presentations for review by lenders. They will assist in research of required support material for loan portfolio. All Credit Analysts are tasked with additional responsibilities. Examples of additional duties for a Credit Analyst II distinction include: Working the most complex credits, Moody System Administration, and mentoring new hires.

Duties and Responsibilities

• Earn and maintain the respect and trust of people. Display honesty, integrity, and morality.

• Responsible to promote a positive and collaborative environment that supports teamwork and excellent customer service throughout the organization.

• Contribute to the overall success of the organization by leveraging opportunities as they relate to all entities of Bravera Holdings Corp.

• Must maintain a high level of confidentiality and professionalism regarding all employee and customer issues and information.

• Analysis of financial information of new and existing borrowers using sound judgment on cash flow and credit worthiness.

• Assist lenders in constructing financial statement spreads and analyzing financial statements for credit quality including financial ratios, cash flow analysis, collateral analysis, repayment analysis on new and existing loans and applications, etc.

• Assist lenders in conducting research and completing loan forms and other documentation, as needed.

• Will follow established Bravera Loan Policies and Procedures and provide feedback as to changes needed.

• Compile financial information in a standardized format for credit presentation by lenders.

• Provide objective risk rating for loans based on financial strength of the borrower.

• Assist lenders in analyzing loan covenant to debt compliance, as needed.

• Assist lenders with general research and administrative recordkeeping, loan documentation, filing, etc.

• Understand applicable banking regulations and stay current with changes.

• Responsible for promoting the organization in the community through participation in various civic and community events, activities, committees, and organizations.

• Adhere to all banking rules and regulations, including but not limited to the requirements of the Bank Secrecy Act. In addition, the employee will be proactive in the prevention of illegal activities, will vigilantly look for activities that may constitute any type of fraud including money laundering, and will report any suspicious activity to the BSA Officer.

Secondary Duties and Responsibilities

• Assist lenders with internal file review.

• Assists lenders with developing existing and new customer relationships.

Qualifications
Required:

• Five years of experience as a commercial and/or ag credit analyst.
• Strong analytical skills.
• In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis.
• Effective technical report writing skills.
• Effective verbal and written communication skills.
• Proficient computer navigation skills using multiple software packages.
• Detail-oriented with an emphasis on accurate output.
• Initiative to produce high quality work.
• Effective time management skills.

Preferred:

• Bachelor’s degree in accounting, finance, economics, business administration, farm/ranch management, or related field.

Location
Any Bravera location

Benefits
To support this, we provide a competitive and rewarding compensation package which includes a competitive salary, incentive compensation opportunities, retirement plan with company match, health insurance, paid holidays, paid time off (PTO), paid community volunteer time and stock opportunities. As a learning organization, we are committed to investing in the growth and development of our team members, offering training opportunities and tuition reimbursement.

Our Values

• Give and earn trust. We support and empower one another to earn trust through accountable performance.
• Learn, teach and mentor. We are a learning organization that invests in growth and development.
• Collaborate and innovate. We work together to drive continuous improvement to enhance your experience.

Want to learn more about careers with Bravera? Go to bravera.bank/careers.

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Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing or action, including an investigation conducted by the employer or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c).

Experience
Required

• 5 year(s): Experience as a commercial and/or ag credit analyst

Education
Preferred

• Bachelors or better in Business Administration or related field

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

Job Type: Full-time

Pay: $43,321.71 - $52,172.38 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Parental leave
• Professional development assistance
• Vision insurance
• Volunteer time off

Schedule:

• 8 hour shift
• Day shift
• Monday to Friday