What are the responsibilities and job description for the Credit Analyst I position at Isabella Bank?
Position Title: Credit Analyst I
Reports To: Credit Department Manager
Responsibilities:
- Developing loan applications for credit requests of current and prospective customers. Credit applications include a detailed cash flow analysis, collateral analysis and all other analysis pertaining to the strengths and weaknesses of the applicant.
- Spreading of financial information on current and prospective customers.
- Assist Senior Lender, Credit Administrator, and Lending Officers with reports used to monitor the loan portfolio, track loan delinquencies, track concentrations within the loan portfolio, etc.
- Attend loan committee and take minutes as needed.
- Ensure that all credit files are kept current with financial statements, tax returns, current loan applications, proper documentation, etc.
- Providing credit information from Credit Bureau or other agencies as requested.
- Continue to seek improvement of credit skills through seminars, training sessions and/or credit classes.
- Represent the Bank in community development activities.
- Assumes additional responsibilities as required.
Qualifications:
Education/Experience
- Bachelor’s Degree required preferably in Accounting or Finance, will consider students graduating in May 2025
Skills
- Strong written and verbal communication skills
- Computer skills: especially Microsoft Office
- Strong attention to detail – with the ability to adapt to a fast paced work environment
- Ability to prioritize work flow to meet crucial time deadlines
Isabella Bank is an AA/EEO employer.