Job Details

Primary Purpose of the JOB:

The Junior Credit Analyst is responsible for using established underwriting techniques on commercial credit requests and performing portfolio maintenance related activities on existing commercial loan relationships.

Essential DUTIES:

• Prepare Committee Presentation Sheets for New and Existing Commercial Credits
• Produce cash flows using Excel software
• Produce collateral charts using acceptable valuation methods and approved advance rates
• Spread financial statements using Moody's Lending Cloud
• Use Fiserv Navigator to summarize lending and deposit relationships of commercial loan customers
• Comment on existing customers’ compliance with financial statement reporting requirements
• Verify lien positions, proper insurance and tax payment status
• Record committee minutes for upper management reporting
• Run and analyze personal credit reports
• Prepare a "Credit Department Opinion" and review existing risk rating for committee presentations
• Verify compliance with covenants
• Create and maintain a courteous and professional relationship with co-workers while maintaining timely and prompt daily attendance

Other DUTIES:

• Other duties as assigned

Required Experience/SKILLS:

• Six months to 1 year of relevant experience
• Analytical, organizational, and accounting skills
• Ability to handle various tasks simultaneously

Required EDUCATION:

• Actively working towards a Bachelor’s Degree; concentration in Finance/ Business / Accounting preferred

Working CONDITIONS:

• Office environment with little exposure to physical hazards or conditions
• Ability to enter data into a computer and work with computer programs: Microsoft Word and Excel
• Ability to stand and/or sit for long periods of time
• Ability to reach with hands and fingers, touching computer buttons/adding machine buttons for extended periods of time

Employees are expected to comply with all laws, regulations, bank policies and procedures, including specifically First State Bank’s Bank Secrecy Act and Anti-Money Laundering Policy and procedures, and it’s Customer Identification Program. Failure to comply with either the letter and/or spirit of these laws may result in disciplinary action, up to an including termination.

This job description does not list all the duties of the job. You may be asked by supervisors or managers to perform other instructions and duties. You will be evaluated in part based on your performance of the tasks listed in this job description.

Management has the right to revise this job description at any time. The job description is not a contract for employment, and either you or the employer may terminate employment at any time, for any reason.

Qualifications