Credit Analyst Manager (On Site)- Sioux Falls (Full Time)

CORTRUST BANK
 The mission of this bank is to profitably deliver high quality customer service that meets the financial needs of our community, its businesses, and its citizens. No line of financial services is beyond our charter.

CorTrust Bank is seeking a full-time Credit Analyst Manager in our Sioux Falls community!

It's more than just a job! When you join one of the region's leading community banks, you can expect a family atmosphere committed to building outstanding teams. We believe in the overall well-being of our employees and work hard to provide the best opportunities for growth. We're proud to offer a competitive compensation package that includes perks like a 401k with employer match, Employee Stock Ownership Plan, insurance coverage options, paid time off, service awards, community service opportunities, an Employee Assistance Program, and a stable work environment.

Summary: The Credit Analyst Manager oversees all Credit Analyst functions. They work with a diversified portfolio of loan types and loan requests for current and potential borrowers. They gather and analyze financial data to determine the advisability of granting credit. They use their expertise and leadership skills to lead the Credit Analyst team in thorough research and assessment of credit risk factors and manage their performance and professional development.

Key areas of responsibility: 

Financial Analysis:

• Analyze current, historical, and projected financial trends and repayment capacity for a variety of operating companies.
• Research and assess credit risk factors.
• Recommend loan structure, pricing, and additional credit facilities available for upsell to the lender.
• Develop alternative solutions to complex credit portfolios.
• Prepare, spread, and analyze tax returns and a variety of financial statements.
• Oversee, prepare, and present content and analysis to Loan Officers and Loan Committee for use in making, reviewing, amending, renewing, and extending lending decisions.

Leadership:

• Maintain an extensive understanding of financial services and industry workflows to mitigate risks and achieve results.
• Provide leadership and guidance to a team, manage team performance, mitigate risk, and uphold efficient and compliant analysis processes.
• Communicate clearly and informatively across a diverse audience and present numerical data effectively.
• Set and manage productivity standards, ensuring Credit Analyst work is completed efficiently and accurately. 
• Adhere to all CorTrust policies and handbooks, complete required security and regulatory training, and maintain customer privacy and confidentiality
• Responds positively to other duties as assigned.

Key competencies:

The ideal candidate for Credit Analyst Manager possesses a combination of education and experience to be able to perform the primary duties of this position with little supervision, managing multiple projects simultaneously. They adapt easily to system, process, product, and service changes, and are able to reason, solve problems and think critically. They must demonstrate a high level of integrity, personal diplomacy, and respect, and be willing to invest in the ongoing mentorship of a team. Knowledge of Federal banking regulations and industry workflow is preferred, and substantial experience in analyzing financial statements and/or tax returns is required. They will champion change through strategic agility, sound judgement, community advocacy, and perseverance in the face of adversity.

CorTrust is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.