Join Our Team at First Security Bank & Trust in Charles City, IA

POSITION SUMMARY: Provide leadership and working supervision for the Credit Analysts. Prepare and analyze financial statement spreads and loan presentations for all loans with an emphasis on the bank’s largest and most complex borrowers. Evaluate the financial condition of individuals and businesses applying for credit with the financial institution. Provide training as requested to Credit Analysts and new lenders.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Prepare and analyze financial spreads using the bank’s software in a timely and accurate manner for loans requests of any relationship/size, including the largest and most complex lines and those with unusual structures or industries.
• Develop material for and assist with or make loan presentations to Loan Committee when requested. Serve as a non-voting participant of the Loan Committee.
• Perform collateral analysis on impaired loans.
• Assist Chief Credit Officer with preparation of monthly reports for Credit Committee, as well as the Board of Directors.
• Assist Chief Credit Officer with work out situations on troubled credits.
• Assist Ag/Commercial Lenders in monitoring credit portfolios.
• Responsible for performing timely loan review and bringing issues of concern forward to the Chief Credit Officer’s attention. Recommend loan grades.
• Monitor both purchased and sold participations for interim and other documentation that is required per loan agreements and participation agreements.
• Assist the Loan Department and bank in achieving its goals for profit, growth, and loan quality.
• Assist other Loan Department personnel as requested.
• Provide leadership, mentorship and eventually direct supervision for the Credit Analysts.
• As assuming direct supervision, conduct performance evaluations for Credit Analysts and provide coaching to help employees resolve performance issues.
• Provide training and education to less experienced Credit Analysts and new lenders as appropriate.

• Participate in community activities to increase the bank’s visibility and to enhance new business opportunities. Participate in bank-sponsored events as outlined in financial institution’s “Community Events Program”.

• Perform additional duties as they become assigned or apparent.

DESIRED KNOWLEDGE, SKILLS, & ABILITIES

• Excellent analytical skills, including the ability to define problems, collect data, establish facts, and draw valid conclusions.
• Ability to organize and supervise work of others and have a good understanding of all bank departments to coordinate departmental responsibilities with individuals in other departments.
• Excellent communication skills. Ability to interact comfortably with internal and external customers.
• Ability to coach others for optimal job performance.
• Strong computer skills utilizing Excel, Word, and other industry specific software. The position requires the competency to serve as an Admin for our financial analysis software.

• Ability to work in an environment with sensitive information, maintaining a high level of confidentiality at all times.

• Proven record of problem-solving skills.

• Ability to travel as needed for job related education, workshops, and conferences.
• Working knowledge of both Federal and State of Iowa lending specific rules and regulations.

QUALIFICATIONS

Education: Bachelor’s degree in accounting, financial management, business administration or related field.

Experience: 7 years combined experience in portfolio management, credit underwriting, credit analysis, or lending with agricultural and commercial relationships. A minimum of 4 years of credit analysis experience and 2 years supervisory experience is preferred.

Statements included on this job description are intended to describe the general nature and level of work performed by the employee(s) assigned to this job. The statements should not be construed as an exhaustive list of responsibilities, duties, and skills required. Accommodations will be made to allow for meeting the above requirements when it does not place “undue hardship” on First Security Bank & Trust.