Credit Analyst III

Position Title: Credit Analyst I, II & III

Title of Supervisor:      Senior Credit Analyst Lead & Supervisor/Assistant Vice President

Grade:

River Valley Community Bank is a premier community bank, committed to meeting the needs of our clients with relationship-oriented products and services while creating an environment for our employees to develop and prosper producing enhanced shareholder value. At our bank you will be part of a welcoming and collaborative team, all of whom take great satisfaction in the confident and efficient delivery of banking solutions that drive an exceptional client experience. We take great pride in the trust we have earned and relationships we have established with our customers. We are also proud of and support our employee involvement in community activities and volunteerism in the markets we serve.

Credit Analyst I

Summary of the Position

Provides financial analysis for all types of new and renewal loans at the direction of the Senior Credit Analyst and/or Chief Credit Officer. Provides loan support where needed to ensure timely processing of loan files according to bank policies and procedures. Ensures accurate analysis and responsive turn-around times that satisfy quality service standards.

Duties and Responsibilities

With supervision, this position includes the following job functions and responsibilities.

Audits loan files and application packages for completeness. Prepares a "needs list" for review by assigned Loan Officer or Portfolio Manager and assists with the collection of required loan documentation with direction from the Loan Officer, Relationship Manager or Portfolio Manager, as needed.

Assembles new and renewal loan files and reviews files for compliance and completeness.

Assists with the preparation and reconciliation of financial spreadsheets which includes the input of financial data into the banks spreading software.

Responsible for the upkeep and monitoring of the financial covenant tickler report.

Ensures electronic files are organized in a satisfactory manner according to bank guidelines.

Works closely with loan officer or portfolio manager in the loan process to ensure timely submission of the completed loan file to Credit Administration.

Requests third party reports including but not limited to credit reports, flood certifications, preliminary title reports, environmental and appraisal/evaluation reports.

Interacts with Credit Administration, Loan Operations, and other related personnel as needed for loan maintenance and/or troubleshooting.

Reviews & audits loan files in preparation for loan documentation and submission to Loan Operations. This process includes, but is not limited to, the preparation of financial certifications, file checklists, and satisfaction of pre-closing loan conditions. Works closely with other credit team members (Loan Officer, RM or Portfolio Manager) to ensure complete and timely files to Loan Operations.

Is familiar and complies with applicable company policies and all banking regulations including, but not limited to BSA, USA Patriot/CIP requirements, AML, and all Fair Lending, CRA and Compliance related regulations. Other duties as assigned.

Credit Analyst II

Summary of the Position

Provides semi-complex financial analysis for all types of new and renewal loans at the direction of the assigned credit officer. Ensures accurate analysis and responsive turn-around times that satisfy quality service standards.

One or more years of banking, finance, or related experience, such as real estate.

In addition to the duties and responsibilities of Credit Analyst I. The Credit Analyst II should have the ability to provide accurate analysis of financial statements and tax returns independently.

Review business and/or personal credit reports accurately.

Communicates with credit applicants when necessary to develop information Concerning their business needs and earnings to determine whether a loan may be an acceptable risk.

Supports the Bank's goals through effective credit analysis of applications for credit.

Interacts with credit administration, servicing, operations, appraisal, legal and other related personnel as needed for loan maintenance and/or troubleshooting.

Credit Analyst III

Summary of the Position

Provides complex financial analysis as a Junior-underwriter for all types of new and renewal loans with minimal direction of the assigned credit officer. Ensures accurate analysis and responsive turn-around times that satisfy quality service standards.

One or more years of banking, finance, or related experience, such as real estate.

In addition to the duties and responsibilities of Credit Analyst I & II. The Credit Analyst III should have the ability to provide accurate analysis of financial statements and tax returns independently.

Review business and/or personal credit reports accurately.

Communicates with credit applicants when necessary to develop information Concerning their business needs and earnings to determine whether a loan may be an acceptable risk.

Supports the Bank's goals through effective credit analysis of applications for credit.

Interacts with credit administration, servicing, operations, appraisal, legal and other related personnel as needed for loan maintenance and/or troubleshooting.

Qualifications

Preferred bachelor's degree in a Finance Related Field.

One or more years directly related experience.

Limited use and/or application of basic principles, theories, and concepts. Basic knowledge of credit principles and banking products.

Cross selling and sales skills.

Ability to manage multiple assignments simultaneously.

Effective interpersonal, verbal, and written communication skills.

Working knowledge of computers and computer software such as Microsoft Word, Microsoft Outlook, Excel, and the Internet.

Knowledge of office machines typically used in a banking center such as 10-key adding machine, facsimile, and copy machines.

Education

High School Diploma or equivalent.

Bachelor's degree, or equivalent work experience.

Compensation

Base salary commensurate with experience and standard employee benefits package.

Work Environment

Office environment requires sitting and/or standing for one or more continuous hours, some travel within the bank footprint maybe required for client appointments, bank meetings, and community events.

This job description is not intended to be all-inclusive. The employee may perform other duties as assigned to meet the ongoing needs of the organization. The job duties and supervisor reporting relationship are subject to change.