Senior Credit Analyst

Description

Summary: Develops and analyzes all types of credit information. Prepares complete loan packages independently, completes all analysis documents, including projections, prepares analysis and makes the appropriate recommendations. Assists with the preparation of loan packages. Assists with or completes Agricultural, Commercial and Consumer appraisal reviews. Provides input on loan quality, structure and terms and assistance to Loan Officers as needed. Serves as a review underwriter for Consumer loan packages as needed.

Essential Duties and Responsibilities include the following. Other duties may be assigned.

• Performs ratio, cash flow and collateral analyses as part of preparing full credit approval packages for commercial and agricultural loan requests. Make recommendations to approve or deny loan requests and provide feedback/suggestions on structure or terms.
• Demonstrates strong independent judgment and decision-making skills to solve problems, manage priorities, and drive results with minimal supervision.
• Completes business financial statement spreads for commercial and agricultural loans.
• Completes financial and tax return spreads on individual borrowers and guarantors.
• Assists in the preparation of Bank Loan Committee packets and submitting information to the Loan Committee members.
• Assists in preparing various credit reports for the Board of Directors meetings.
• Assists in the preparation of the Commercial RE portfolio analysis in compliance with FFEIC guidelines.
• Verifies compliance with laws and regulations and Bank Loan Policy. Assists in the administration and enforcement of the Bank Loan Policy and Bank credit culture.
• Accompanies loan officers on customer calls when appropriate and provides project underwriting feedback.
• Reviews appraisal reports to determine if appraisal services are being conducted in compliance with regulatory requirements.
• Assists with the regulatory compliance of various activities including but not limited to Appraisal Ordering and Review, HMDA Reporting, Credit Reporting or other activities as needed.
• Collects, analyzes, and compiles market data for presentation and reporting to the Board of Directors as needed.
• Participates in civic activities to promote growth and development of the community and a positive image of the bank.
• Adheres to all State and Federal Banking Regulations.
• Serves as department lead when the Senior Credit Manager is not available.
• Serves as a Non-Voting Member of Loan Committee.
  
  

Supervisory Responsibilities

• This job has no direct supervisory responsibilities but is a steppingstone to Senior Credit Manager role and may assist Senior Credit Manager as needed.
  
  

Requirements

Competencies

To perform the job successfully, an individual should demonstrate the following competencies:

• Analytical - Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data; Designs workflows and procedures.
• Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.
• Project Management - Completes projects on time and budget.
• Technical Skills - Assesses own strengths and weaknesses; Pursues training and development opportunities; Strives to continuously build knowledge and skills; Shares expertise with others.
• Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments.
• Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things.
• Oral Communication - Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings.
• Written Communication - Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.
• Teamwork - Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Gives and welcomes feedback; Contributes to building a positive team spirit; Puts success of team above own interests; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed.
• Change Management - Prepares and supports those affected by change.
• Leadership - Exhibits confidence in self and others; Inspires and motivates others to perform well; effectively influences actions and opinions of others; Accepts feedback from others; Gives appropriate recognition to others.
• Quality Management - Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness.
• Business Acumen - Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.
• Cost Consciousness - Works within approved budget; Develops and implements cost saving measures; Contributes to profits and revenue; Conserves organizational resources.
• Diversity - Demonstrates knowledge of EEO policy; Shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes a harassment-free environment.
• Ethics - Treats people with respect; Keeps commitments; inspires the trust of others; Works with integrity and ethically; Upholds organizational values.
• Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity.
• Strategic Thinking - Understands organization's strengths & weaknesses; Analyzes market and competition; Adapts strategy to changing conditions.
• Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions.
• Motivation - Sets and achieves challenging goals; Demonstrates persistence and overcomes obstacles; Measures self against standard of excellence; Takes calculated risks to accomplish goals.
• Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Sets goals and objectives; Develops realistic action plans.
• Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.
• Quality - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality.
• Quantity - Meets productivity standards; Completes work in timely manner; Strives to increase productivity; Works quickly.
• Safety and Security - Observes safety and security procedures; Determines appropriate action beyond guidelines; Reports potentially unsafe conditions; Uses equipment and materials properly.
• Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events.
• Attendance/Punctuality - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time.
• Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals; Completes tasks on time or notifies appropriate person with an alternate plan.
• Initiative - Volunteers readily; Undertakes self-development activities; Seeks increased responsibilities; Takes independent actions and calculated risks; Looks for and takes advantage of opportunities; Asks for and offers help when needed.
• Innovation - Displays original thinking and creativity; Meets challenges with resourcefulness; Generates suggestions for improving work; Develops innovative approaches and ideas; Presents ideas and information in a manner that gets others' attention.
  
  

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Education And/or Experience

Prefer degree in finance, accounting or business. Must have four or more years of experience in ag/commercial credit underwriting or loan review experience and have the ability to analyze Personal and Commercial/Agricultural financial information.

Language Skills

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Mathematical Skills

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages.

Reasoning Ability

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

Computer Skills

To perform this job successfully, an individual should have a strong knowledge of Microsoft Office Suite and comfort in general computer skills that will include commercial loan spreading or origination software.

Certificates, Licenses, Registrations

Other Qualifications

Other Skills and Abilities

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to use hands to finger or handle; reach with hands and arms and talk or hear. The employee is frequently required to walk and sit. The employee is occasionally required to stand; climb or balance; stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.