Credit Analyst

Review loans in accordance with the bank's Loan Policy and Guidelines Analyze and risk-rate complex credit lines and critique credit classifications assigned by Loan Officers Ensure credit analysis is consistent with regulatory agency findings Spread, analyze, and review financial statements for complex current and prospective borrowers across various industries Calculate cash flow for complex borrowers and guarantors, including projections, trends, and ratio analysis Summarize findings in the bank's written credit presentation Prepare annual reviews of borrowing relationships Analyze intricate credit requests for the SBA portfolio Monitor covenant compliance with loan agreements Mentor and train less experienced staff Present credit exceptions and recommendations to the Credit Analyst Manager or Loan Officer Communicate with Loan Officers and the Credit Analyst Manager regarding documentation discrepancies and credit weaknesses Follow up until identified issues are corrected Attend Loan Committee meetings as needed Perform department and bank services and projects as required Attend Credit Department and other committee meetings as requested by management Act according to First Bank & Trust policies and procedures Adhere to compliance procedures and complete required compliance training Requirements Bachelor's degree plus ten years of work-related experience or equivalent Extensive understanding of commercial and agricultural credits Strong proficiency in project management Good communication skills Attention to detail Understanding of the bank's Loan Policy and Guidelines Ability to analyze and risk-rate complex credit lines Ability to spread, analyze, and review financial statements, tax returns, credit reports, and related reporting Ability to calculate cash flow, projections, trends, and ratio analysis Knowledge of SBA portfolio credit requests Ability to monitor covenant compliance with loan agreements Ability to mentor and train less experienced staff Core Competencies Demonstrates extensive expertise in analyzing and risk-rating complex credit lines, financial statements, and cash flow for commercial and agricultural credits. Proficient in mentoring staff and ensuring compliance with bank policies and regulatory standards. Highest-signal resume keywords Credit Analysis Financial Statement Review Cash Flow Calculation Project Management Mentoring Staff ATS Optimization Keywords Hard Skills Credit Risk Assessment Financial Analysis Ratio Analysis SBA Portfolio Knowledge Covenant Compliance Monitoring Soft Skills Communication Skills Attention to Detail Industry Keywords Loan Policy Credit Classifications Loan Agreements Regulatory Compliance Credit Presentation #J-18808-Ljbffr