CREDIT ANALYST

Analyze and prepare credit requests for review by originating lender and/or appropriate loan committee via bank’s loan processing software; understand all aspects of the Sageworks or File Xsoftware; assist other staff members with Sageworks or File X, as necessary; and ensure adequacy of bank’s collateral position via review and audit of reports prepared by lenders and borrowers.

• Prepares complete and concise financial analyses by obtaining necessary information from the lender. Financial analyses will focus on financial trends and repayment capacity of obligors. These duties include but are not limited to analysis & interpretation of financial statements, evaluation of the financial condition of the borrower relative to the industry, economy, collateral, capacity, trends, and performance of the borrower.

• Attends loan committee meetings, as necessary, to assist in the presentation and clarification of credit requests.

• Conducts credit inquiries requested by loan officers and any additional inquiries deemed necessary for thorough analysis. May order and review loan documents for a closing.

• Assists with Sageworks or File X inquiries as necessary.

• Some analyst positions ensure adequacy of bank’s collateral position by monitoring construction draw requests/inspections, borrowing base certificates/inspections, and livestock inspections. Audit of specific collateral reports may be required to ensure accuracy.

• May participates in asset reviews as requested, including real estate inspections and any other on-site inspections deemed necessary.

• Maintains strict confidentiality of credit information.

• Performs other duties as assigned.

• Regular and reliable attendance.

NOTE: The statements herein are intended to describe the general nature and level or work being performed by employees assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills, required of personnel.

We take pride in our heritage as a family-owned, community bank. Our commitment to our customers and community is at the forefront of how we do business.

We are a Nebraska-based banking organization founded in 1938 in Palmer, Nebraska. Today, we have branches in Arizona, Colorado, Kansas, Missouri, Nebraska, New Mexico, Texas and Wyoming.

As we grow, our commitment to our customers and community remains as strong as ever. We specialize in building lasting banking relationships with the businesses, farms and families we serve. We also prioritize taking an active role in our communities through charitable giving and volunteering.

At Pinnacle Bank, we are ready to help your company with business checking and savings accounts, commercial loans and lines of credit and treasury management services.

We also offer personal banking services, including accounts, mortgages, personal loans and technology products.

We use application review steps designed to ensure mutual fit. Generic or automated submissions may not progress.

We offer fair and competitive compensation as well as bonus based on an employee's years of service and possible discretionary merit bonuses. Employees also have the opportunity to participate in the Bank incentive programs based on charter/branch guidelines. Other Full-Time benefits include:

*Paid holidays and paid time off benefits are not applicable for employees that are fully commissioned.

We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, gender identity, sexual orientation, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law. If you need a reasonable accommodation for any part of the employment process, please contact us by email at personnel@pinnbank.com or by phone at 402-697-8666 and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address. For more information, view the [EEO KNOW YOUR RIGHTS] and [PAY TRANSPARENCY STATEMENT].