What are the responsibilities and job description for the Credit Analyst - Full Time (40 Hrs/Wk) position at IncredibleBank?
JOB REQUIREMENTS: Credit Analyst - Full Time (40 Hrs/Wk) Location: 8329
Murphy Drive, Middleton, WI, 53562, United States Employee Type: FT
Regular Exempt Contact Information Name: brittney bierman Email:
bbierman@incrediblebank.com Description We know what you\'re thinking.
\"What kind of name is IncredibleBank?\" Well, we\'re glad you asked.
With a name like IncredibleBank, we have a lot to live up to. Our name
is a promise we make every day to our customers and to our team members
(and hey, that could be you!). A promise that we strive to be incredible
in everything we do. A promise that will help our customers, fellow team
members, and our communities to do the incredible. At IncredibleBank,
we\'re all about ICE. What\'s ICE? ICE stands for Incredible Customer
ExperienceTM (that\'s right - an experience so good and so important we
trademarked it). ICE illustrates the core values that drive everything
we do - how we conduct business, how we treat each other, and how we
continuously strive to build on our model of customer-focused banking.
Our core values have been in place for more than 50 years and continue
to influence every aspect of our operation today. So - how can you help
us live up to our name? About the Role: We are eager to discuss the
prospect of you joining our team as our next incredible team member!
This position is responsible for developing commercial credit analysis
and underwriting skills while supporting the evaluation of consumer and
commercial lending relationships. Under policy guidelines, the position
analyzes borrower financial information, cash flow, collateral, industry
trends, market conditions, and other risk factors to assess
creditworthiness and support sound lending decisions. The role performs
credit analysis and underwriting for basic commercial and consumer
credit requests, loan renewals, and annual reviews, while developing a
foundational understanding of commercial underwriting principles,
practices, and procedures. Through the application of financial
analysis, accounting principles, and credit risk concepts, the incumbent
evaluates the degree of risk associated with lending opportunities and
assists in developing underwriting recommendations, including risk
ratings, covenant structures, and monitoring requirements. Duties and
responsibilities may include: Underwrite basic commercial credit
requests and smaller new money lending opportunities within established
authority and department guidelines. Perform financial spreading and
analysis of borrower financial statements and tax returns to support
underwriting and credit decisions. Analyze commercial and consumer loan
requests, renewals, modifications, and annual reviews to assess
creditworthiness and provide information that supports sound lending
decisions. Analyze financial statements, tax returns, cash flow,
collateral, guarantor support, and repayment sources to evaluate
borrower capacity, identify potential risks, and determine the strength
of repayment prospects. Prepare loan presentation packages and
supporting credit documentation for review and approval by senior
analysts, management, and loan committees. Evaluate collateral support,
guarantor strength, loan structure, and borrower performance to assist
in developing risk rating, covenant, and monitoring recommendations that
support effective risk management. Develop and present underwriting
recommendations for review by senior credit personnel and designated
approvers. Conduct industry, market, and economic research to understand
external conditions that may impact borrower performance, cash flow, and
long-term viability. Monitor assigned credit relationships for changes
in financial condition, covenant compliance, collateral values, and
other risk indicators to identify emerging concerns and support
proactive portfolio management. Collaborate with lenders and
relationship managers to gather information, evaluate financin
alternatives, and support credit structures that appropriately balance
customer needs and risk. This is a regular full-time, salaried exempt
position, averaging approximately 40 hours/week. Schedule may vary
between the hours of 8:00 am to 5:30 pm CDT Monday through Friday. This
position will work on-site at our IncredibleBank branch location in
Middleton, WI. Intermittent travel may be required based on business
and/or customer needs. About You: You do what is right over what is
easy. You don\'t settle for good enough. You\'re driven to learn and
grow. You recognize your impact on the customer experience, regardless
of your role. Those attributes are just a few things our incredible
employees have in common. And, we\'d be so excited to learn a little
more about you and discuss your interest in joining our team! Our
recommended and preferred qualifications are: Bachelors degree in
Finance, Accounting, Business or related field and 0-2 years relevant
commercial credit/lending experience, or equivalent combination of
education and experience. Ability to create, review, and maintain
spreadsheets, financial analyses, credit memoranda, and reports. Basic
understanding of financial statements/accounting principles Ability to
learn and effectively utilize financial spreading, credit underwriting,
loan origination, and other banking systems. Strong data management,
organization, and reporting skills with attention to accuracy and
detail. Ability to communicate with internal and external customers in a
professional manner. A high degree of resourcefulness and adaptability.
Strong analytical and problem-solving skills Ability to manage multiple
priorities and deadlines About Our Benefits and Compensation: Our
promise of ICE extends to our employees as well. Our employees are our
greatest asset, and we strive to show our appreciation by offering
top-tier benefits and, dare we say, more than competitive compensation
that we\'re willing to discuss up front. And we are constantly
evaluating and improving our benefits. In fact, eligible employees
receive over 30 days off per calendar year! That includes 18 days of PTO
to begin, PLUS an Anniversary Holiday, Birthday Holiday, Wellness
Holiday, and 12 observed Bank Holidays. Check out our total rewards
package at: https://www.cbmicrosite.com/incrediblebank About the
Company: IncredibleBank first started in 1967 as River Valley Bank with
a single location in Rothschild, WI. And we may have strong roots in
community banking, but IncredibleBank wasn\'t awarded as one of
America\'s Most Innovative Banks by the Independent Community Bankers of
America for our popcorn Fridays. Though we do love free popcorn\... We
strive to stay on the leading edge of banking technology with the goal
providing the best, simplest way for our customers across the country to
do their banking. But if our customers need us, they can pick up the
phone and talk to a real person. And that\'s what makes us America\'s
first national online community bank. And who doesn\'t love the idea of
a national community? Today, IncredibleBank is a \$2.0 billion-asset
institution that has grown to 17 brick-and-mortar locations with
customers in all 50 states. But we know that as an employer, it\'s less
about size than it is about culture. That\'s why we\'re especially proud
to have been certified as a Great Place to Work. Learn more about our
Great Place To Work Engagement Results Here
https://www.greatplacetowork.com/certified-company/7022621 PI287136205
\*\*\*\*\* APPLICATION INSTRUCTIONS: Apply Online:
https://www.click2apply.net/78Rzxlu6zABoXsl5oCk8zk
Murphy Drive, Middleton, WI, 53562, United States Employee Type: FT
Regular Exempt Contact Information Name: brittney bierman Email:
bbierman@incrediblebank.com Description We know what you\'re thinking.
\"What kind of name is IncredibleBank?\" Well, we\'re glad you asked.
With a name like IncredibleBank, we have a lot to live up to. Our name
is a promise we make every day to our customers and to our team members
(and hey, that could be you!). A promise that we strive to be incredible
in everything we do. A promise that will help our customers, fellow team
members, and our communities to do the incredible. At IncredibleBank,
we\'re all about ICE. What\'s ICE? ICE stands for Incredible Customer
ExperienceTM (that\'s right - an experience so good and so important we
trademarked it). ICE illustrates the core values that drive everything
we do - how we conduct business, how we treat each other, and how we
continuously strive to build on our model of customer-focused banking.
Our core values have been in place for more than 50 years and continue
to influence every aspect of our operation today. So - how can you help
us live up to our name? About the Role: We are eager to discuss the
prospect of you joining our team as our next incredible team member!
This position is responsible for developing commercial credit analysis
and underwriting skills while supporting the evaluation of consumer and
commercial lending relationships. Under policy guidelines, the position
analyzes borrower financial information, cash flow, collateral, industry
trends, market conditions, and other risk factors to assess
creditworthiness and support sound lending decisions. The role performs
credit analysis and underwriting for basic commercial and consumer
credit requests, loan renewals, and annual reviews, while developing a
foundational understanding of commercial underwriting principles,
practices, and procedures. Through the application of financial
analysis, accounting principles, and credit risk concepts, the incumbent
evaluates the degree of risk associated with lending opportunities and
assists in developing underwriting recommendations, including risk
ratings, covenant structures, and monitoring requirements. Duties and
responsibilities may include: Underwrite basic commercial credit
requests and smaller new money lending opportunities within established
authority and department guidelines. Perform financial spreading and
analysis of borrower financial statements and tax returns to support
underwriting and credit decisions. Analyze commercial and consumer loan
requests, renewals, modifications, and annual reviews to assess
creditworthiness and provide information that supports sound lending
decisions. Analyze financial statements, tax returns, cash flow,
collateral, guarantor support, and repayment sources to evaluate
borrower capacity, identify potential risks, and determine the strength
of repayment prospects. Prepare loan presentation packages and
supporting credit documentation for review and approval by senior
analysts, management, and loan committees. Evaluate collateral support,
guarantor strength, loan structure, and borrower performance to assist
in developing risk rating, covenant, and monitoring recommendations that
support effective risk management. Develop and present underwriting
recommendations for review by senior credit personnel and designated
approvers. Conduct industry, market, and economic research to understand
external conditions that may impact borrower performance, cash flow, and
long-term viability. Monitor assigned credit relationships for changes
in financial condition, covenant compliance, collateral values, and
other risk indicators to identify emerging concerns and support
proactive portfolio management. Collaborate with lenders and
relationship managers to gather information, evaluate financin
alternatives, and support credit structures that appropriately balance
customer needs and risk. This is a regular full-time, salaried exempt
position, averaging approximately 40 hours/week. Schedule may vary
between the hours of 8:00 am to 5:30 pm CDT Monday through Friday. This
position will work on-site at our IncredibleBank branch location in
Middleton, WI. Intermittent travel may be required based on business
and/or customer needs. About You: You do what is right over what is
easy. You don\'t settle for good enough. You\'re driven to learn and
grow. You recognize your impact on the customer experience, regardless
of your role. Those attributes are just a few things our incredible
employees have in common. And, we\'d be so excited to learn a little
more about you and discuss your interest in joining our team! Our
recommended and preferred qualifications are: Bachelors degree in
Finance, Accounting, Business or related field and 0-2 years relevant
commercial credit/lending experience, or equivalent combination of
education and experience. Ability to create, review, and maintain
spreadsheets, financial analyses, credit memoranda, and reports. Basic
understanding of financial statements/accounting principles Ability to
learn and effectively utilize financial spreading, credit underwriting,
loan origination, and other banking systems. Strong data management,
organization, and reporting skills with attention to accuracy and
detail. Ability to communicate with internal and external customers in a
professional manner. A high degree of resourcefulness and adaptability.
Strong analytical and problem-solving skills Ability to manage multiple
priorities and deadlines About Our Benefits and Compensation: Our
promise of ICE extends to our employees as well. Our employees are our
greatest asset, and we strive to show our appreciation by offering
top-tier benefits and, dare we say, more than competitive compensation
that we\'re willing to discuss up front. And we are constantly
evaluating and improving our benefits. In fact, eligible employees
receive over 30 days off per calendar year! That includes 18 days of PTO
to begin, PLUS an Anniversary Holiday, Birthday Holiday, Wellness
Holiday, and 12 observed Bank Holidays. Check out our total rewards
package at: https://www.cbmicrosite.com/incrediblebank About the
Company: IncredibleBank first started in 1967 as River Valley Bank with
a single location in Rothschild, WI. And we may have strong roots in
community banking, but IncredibleBank wasn\'t awarded as one of
America\'s Most Innovative Banks by the Independent Community Bankers of
America for our popcorn Fridays. Though we do love free popcorn\... We
strive to stay on the leading edge of banking technology with the goal
providing the best, simplest way for our customers across the country to
do their banking. But if our customers need us, they can pick up the
phone and talk to a real person. And that\'s what makes us America\'s
first national online community bank. And who doesn\'t love the idea of
a national community? Today, IncredibleBank is a \$2.0 billion-asset
institution that has grown to 17 brick-and-mortar locations with
customers in all 50 states. But we know that as an employer, it\'s less
about size than it is about culture. That\'s why we\'re especially proud
to have been certified as a Great Place to Work. Learn more about our
Great Place To Work Engagement Results Here
https://www.greatplacetowork.com/certified-company/7022621 PI287136205
\*\*\*\*\* APPLICATION INSTRUCTIONS: Apply Online:
https://www.click2apply.net/78Rzxlu6zABoXsl5oCk8zk