What are the responsibilities and job description for the Credit Analyst position at Citizens First Bank?
We’re looking for a Credit Analyst to join our team in Viroqua! In this role, you’ll play an important part in evaluating credit risk and supporting sound lending decisions. You’ll analyze financial information, prepare credit presentations, and assist with annual reviews to ensure compliance and accuracy across our loan portfolio.
What You’ll Do Every Day
- Perform credit analysis and review financial statements for mortgage and commercial relationships to support loan decisions and minimize risk. Summarize findings for lenders.
- Prepare credit presentations for new and existing relationships requiring Loan Committee approval. Complete financial analysis, gather borrower info, and present when lenders are absent. Identify cross-selling opportunities.
- Complete annual reviews, including financial analysis, collateral evaluation, payment history, risk rating, and industry/economic changes.
- Support loan compliance by monitoring documentation standards, notifying lenders of exceptions, and maintaining accurate files.
- Stay informed on Bank policies and regulations. Communicate standards clearly to lenders.
- Contribute to annual updates of loan policy for commercial and mortgage areas based on trends and needed clarifications.
- Other duties as assigned.
What We’re Looking For
- A bachelor’s degree (or equivalent experience).
- At least 2 years of credit analysis experience.
- Strong problem-solving skills and a knack for clear communication.
- A commitment to confidentiality and accuracy.
Why You’ll Love It Here
- Competitive wage with discretionary year-end bonuses
- 3% safe harbor contribution to 401k
- Discretionary profit share CD contribution towards retirement
- Fully comprehensive benefits package
- Free Neighborhood Family Clinic access for you and your dependents
- Family-oriented culture and teams
- Community involvement and Volunteer PTO
- Bank-sponsored get-togethers outside of work
- All-staff training and celebration days
- Free coffee
- And so much more!
Sound like you? Apply today and help us make lending decisions that drive success!