Credit Analyst

Organization: Community National Bank was founded in 1984 by a group of individuals in Nemaha County, Kansas with diverse local ownership with decisions made on a local level.

Position mission:

This position is responsible for analyzing credit data and financial statements to determine the degree of risk involved in extending credit or lending money and preparing credit memos for use in decision-making.

Major Duties:

• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Prepare, analyze and complete Agriculture, CRE, C&I credit memos for submission for approval. Generate spreads on new loans and renewals as requested in Suntell.
• Generate financial ratios, using Suntell, to evaluate customers' financial status.
• Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
• Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
• Understand loan policy and compliance and maintain current knowledge of any changes or updates.
• Consult with customers to resolve complaints and verify financial and credit transactions.
• Review weekly past due and coming due commercial loans.
• Maintain a positive working relationship with customers, bank staff, local professionals, centers of influence, and community organizations.
• Maintain credit analysis pipeline daily for review by loan officers and senior management.
• Maintain checklist for every commercial loan file.
• Work closely with loan officers and processors.

General Responsibilities:

• Support CNB’s strong relationship culture through quality customer service and superior product knowledge.
• Provide superior customer service by resolving problems efficiently and responding timely.
• Identify and implement solutions to problems in general and urgent matters.
• Actively seek to add and enhance knowledge regarding developments and current trends in the industry.
• Seek counsel of supervisor on issues as appropriate.
• Work collaboratively with staff to maintain a team environment.
• Flexible to accept additional assignments as requested by leadership.
• Cross train for other positions to cover when necessary.
• Professionalism while representing CNB (onsite, professional and community events and via communications).
• Participate and attend meetings as requested.
• Recommend policies and procedures as it relates to area of responsibility.
• Timely responses to inquiries for information from loan officers and processors.
• Answer telephone calls and provide a prompt response.
• Follow CNB’s policies and procedures.
• Other duties as assigned.

Qualifications:

• Bachelor’s degree in finance, accounting or related field required. MBA preferred.
• 3-5 years of experience in credit risk management, loan review, and/or previous commercial credit analysis experience preferred. 
• 1-3 years of banking experience required.
• Experience with quantitative analysis methods along with knowledge of loan documentation and appraisal analysis.
• Excellent organizational and analytical skills partnered with sound judgement.
• Excellent interpersonal, verbal, and written communication skills.
• Strong computer skills including Microsoft office and financial software.
• Requires being reliable, responsible, and dependable to fulfill the obligations of this role.

Physical Demands:

The physical demands described are representative to those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee must be able to stand and sit for extended lengths of time, read computer screens, talk on the phone, unpack and move supplies up to fifty (50) pounds, reach, kneel, bend, climb and balance. Vision abilities required for this job include close vision.

Work Environment:

 While performing the duties of this job, the work environment is primarily a professional, deadline driven environment with interaction of internal team members and external customers. Noise level in the work environment can be loud.

Additional Duties:

This job description is only a summary of the typical functions of this position, not an exhaustive nor all-inclusive list of all possible job responsibilities, tasks, duties, knowledge, skill and ability required to perform this job. Additional duties and responsibilities may be added to this job description at any time. The job description does not state or imply that these are the only activities to be performed by the employee(s) holding this position. Employees are required to follow any other job-related instructions and to perform any other job-related responsibilities as required.

Job descriptions are not intended to and do not create employment contracts. Community National Bank maintains its status as an at-will employer.  Team members can be terminated at any time, for any reason not prohibited by law. Community National Bank is an equal opportunity employer.