What are the responsibilities and job description for the Credit Analyst position at SNB?
Do you enjoy working with financial data and aspire to elevate your career and become a Commercial Lender?
At Security National Bank, if there is one belief we hold together as a team, it’s that everything matters. From the words we say, to the way we dress, to the decisions we make and the actions we take – every single thing we do matters. Why? Because we recognize the inherent value of each individual, and the potential of what each person can become. We realize every one of life’s interactions is an opportunity to help someone reach that potential. This is why we treat even the smallest details of life and banking with careful thought and attention. If you aspire to do the same, we’d like you to advance your career with us at SNB.
The Credit Analyst provides commercial lenders with timely and accurate financial information to assist in making informed credit decisions. They assist with all aspects of preparing credit analyses for loan requests including financial statement analysis, collateral analysis, risk rating recommendations, trend analysis, and identifying the credit’s strength and weaknesses.
We are looking for someone skilled in analyzing financial information, who enjoys working under limited supervision and demonstrates exceptional analytical skills and accuracy. If you possess a strong analytical mindset, expertise in credit evaluation, and a passion for financial analysis, our Credit Analyst position might just be for you!
*This position reports in-person to our Sioux City, Iowa location Monday thru Friday.
KEY RESPONSIBILITIES:
- Assists with all aspects of preparing credit analyses for loan requests including financial statement analysis, collateral analysis, risk rating recommendations, trend analysis, and identifying the credit’s strengths and weaknesses.
- Utilizes spreading software for credit analysis and other various software programs to assemble, manipulate and/or format data and/or reports.
- Spreads financial statements and tax returns in accordance with policies and procedures to allow for an accurate assessment of a borrower’s financial strength.
- Performs analyses on cash flow, forecast and industry/economic factors affecting the request.
- Upon completion of research and analysis, prepares credit comments.
- Completes loan reviews on various credits within the loan portfolio to ensure proper documentation and accurate risk rating.
- Performs collateral inspections and reviews customer accounts and/or portfolios in order to identify and act on potential credit quality issues.
Required for this position: Strong attention to detail, understanding of credit, advanced financial analysis skills, ability to work under deadlines, independent thinking, analytical skills, self-motivation, communication skills, ability to make informed decisions, and demonstrated teamwork.
QUALIFICATIONS AND COMPETENCIES:
Skills & Attributes
- Strong analytical mindset with a high level of accuracy and attention to detail.
- Ability to work independently, manage deadlines, and make informed decisions.
- Excellent oral, written, and interpersonal communication skills.
- Service-oriented, polite, and respectful approach to client interactions.
- Advanced problem-solving and critical-thinking skills.
- Team-oriented with the ability to collaborate effectively across all levels of the organization.
- Self-motivated with the ability to take direction and independently see projects through to completion.
Knowledge & Expertise
- Bachelor’s degree in business, finance, accounting, or related field (or equivalent work experience).
- 1 year of credit analysis or related financial experience preferred.
- Strong understanding of credit principles and financial risk assessment.
- Proficiency in Microsoft Word, Excel, and financial analysis software.
- Experience navigating multiple financial systems and databases.
- Proven ability to assess risk, identify opportunities, and recommend strategic solutions.
WHY SECURITY NATIONAL BANK?
At SNB, we stand for excellent service and are committed to doing what’s right. Our team is deeply connected to the communities we serve, giving back and embodying our mission to make a positive difference.
If you are ready to take the next step in your career with an organization that values integrity, relationships, and growth, we encourage you to join us in creating a lasting impact.
HOURS:
Regular business hours, Monday through Friday.
BENEFITS:
We offer a comprehensive benefit package to our employees including medical, dental, short and long term disability, life insurance, paid time off, a wellness program, and a 401(k) savings plan at hire for future financial protection.
ABOUT SECURITY NATIONAL BANK:
Security National Bank was chartered in 1884 in Sioux City, Iowa; founded on the time-tested principles of integrity, honor, open-mindedness, efficiency, good humor, respect, duty, and human connection. These principles served as guideposts that enabled SNB to withstand the economic panic of the late 1800s, the Great Depression, two World Wars, and the farm crisis — and emerge as the region’s most established and trustworthy locally owned bank. We believe what was worth doing well yesterday is still worth doing well today. People change and banking changes, but our time-tested principles remain. To this day, we believe that doing what’s right is the only way to take care of customers, empower businesses, cultivate growth, inspire our community, and accomplish the remarkable.
Security National Bank is an Equal Opportunity, Affirmative Action Employer. Applicants are considered for all positions without regard to race, color, religion, sex (including pregnancy, gender identity, and sexual orientation), national origin, age, disability, marital status, or veteran status.
LEARN MORE:
https://www.snbonline.com/about/employment-opportunities
LOCATION:
Sioux City, IA
Main Bank
