Credit Analyst II

_ Position Summary _ The Credit Analyst provides accurate, timely, and succinct credit analysis to support the company's portfolio management and new business development efforts. This role focused on Commercial Real Estate loans. _ Duties & Responsibilities _ Financial statement spreading and analysis, including calculation of Debt Service Coverage or Fixed Charge Coverage Ratios per Busey guidelines. Use financial data such as cash flow, liquidity, profitability, and leverage to determine and minimize the overall risk of extending credit to businesses and individuals. Perform file reviews of assigned requests to ensure complete information, communicating with loan team to discuss missing information, applicable questions and any loan structure suggestions or concerns. Work with Commercial Relationship Managers or other Lending staff to prepare clear and concise Commercial Credit Approval Request (CCAR) memos that include all pertinent information associated with the overall risk of the loan, identifying the strengths and weaknesses of the Borrower. Evaluate collateral, industry data and other relevant credit information. Assist with Portfolio Management duties to include testing financial covenants, monitoring monthly borrowing base reports, preparing portfolio reviews and sensitive asset reports, as assigned. Assist Commercial Relationship Managers with the preparation of opportunity memos for new and existing relationships. Develop a working knowledge of the Commercial Banking Loan Policy and systems, including nCino. Assist with other duties or special projects as assigned. _ Education & Experience _ Knowledge of: Strong oral and written communication skills. Proficiency in Microsoft Office Suite. Knowledge of financial accounting. Ability to: Prioritize workflow, multi-task and work independently. Analyze and solve problems. Take independent action within established guidelines. Perform duties under frequent time pressures with a high degree of accuracy and attention to detail. Education and Training: Requires Bachelor's degree with a concentration in Business or Finance. Requires 2 - 3 or more years of Commercial Credit experience. Requires knowledge of Microsoft Office. Benefits and Compensation Salary offered is based on factors, including but not limited to, the job duties, required qualifications and relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance. (Base Pay Range: $60,000 - $75,000 annual) Busey provides a competitive Total Rewards package in return for your time, talents, efforts and ultimately, results. Your personal and professional well-being - now and in the years to come - are important to us. Busey's Total Rewards include a competitive benefits package offering 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company-paid life insurance and long-term disability, supplemental voluntary life insurance, short-term and long-term disability, wellness incentives and an employee assistance program. In addition, eligible associates may take advantage of pre-tax health savings accounts and flexible spending accounts. Visit Busey Total Rewards for more information. Equal Opportunity Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey's commitment of delivering service excellence. Busey is an Equal Opportunity Employer including Disability/Vets. Visit Busey.com/Careers to learn more about Busey's Equal Opportunity Employment. #J-18808-Ljbffr