Credit Analyst I

Position Summary:

Contributes to the loan decision-making process and sound portfolio management by providing in-depth credit analysis on new and existing clients for Business Banking Officers and Loan Committees. Monitors loan files for adequate and current financial information and documentation. Understands and completes job responsibilities in accordance with federal and state regulations.

Essential Functions:

Credit Underwriting 75%

1. Completes beginner to moderate level loan requests and reviews
2. Analyzes financial information
3. Identifies, requests, and tracks information needed to complete the credit analysis
4. Identifies and reports areas of concern
5. Ensures compliance with federal, state, and bank regulations
6. Reviews loan file for proper documentation

Real Estate Evaluation 15%

1. Completes appraisal reviews
2. Complete property evaluations on commercial and residential properties
3. Performs site visits as needed

Additional Duties & Responsibilities 10%

1. Assists in the preparation of business banking audits and providing information to third parties
2. Serves as Secretary to the Officer Loan Committee
3. Serves on bank committees as needed
4. Participates in internal and external training and development opportunities as required
5. Other job-related duties necessary to carry out the responsibilities of the position

Requirements

Work Relationships and Scope:

Works periodically with clients and works regularly with co-workers. Works regularly with highly confidential business and client information. Regularly participates in bank events.

Performance Dimensions:

Quality, accuracy, reliability, thoroughness and timeliness of work performed and services provided to clients and co-workers; strong attention to detail; highly organized; keeps Bank and client information confidential; demonstrates friendly and helpful approach and attitude toward internal and external clients. Effectively communicates and develops good working relationships with all co-workers and clients; professional workplace appearance and conduct; honesty and integrity in all client and co-worker communications; reliability in reporting to work regularly and on time; understands Bank policies and procedures and applicable state and federal regulations. Remains current in field and utilizes that information where practical; participates in training and appropriate professional development. Demonstrates professionalism, commitment to the job, and loyalty to the Bank.

Knowledge, Skills and Abilities:

A 4-year college degree in accounting, finance, business or equivalent is preferred. Previous accounting/finance related experience preferred. Banking experience preferred. Must possess courteous and professional customer service attitude; excellent verbal and written communication skills; legible handwriting; ability to maintain the integrity of highly confidential client and Bank information. Must possess excellent mathematical skills up to and including projection analysis; strong computer skills, technical ability to input and retrieve computerized information; strong organization and follow-up skills. Must possess ability to deal effectively with time pressures and stress that can change hourly depending on level of client activity. Must possess effective problem solving and technical research skills. Must be a self-starter and independent thinker.

Working Conditions:

Work is performed largely in an office environment with minimal chance for personal injury. Occasional out-of-town and overnight business travel (air or auto) is required for business and education. Regular mental and visual concentration for computer usage is required. Regular use of telephone; frequent repetitive use of keyboard for approximately 6 hours per day. Requires ability to receive and provide detailed information through verbal communication. Requires near and mid-range vision. Will alternate sitting, standing, and walking throughout work shift. Bend, turn, lift, and carry up to 10 pounds of documents and office supplies. Climb stairs. Hours of work are generally during regular business hours. There will be some variation in work hours due to special projects, deadlines, community events, and other concerns.

Equipment Used:

Operates personal computer in a Windows environment for word processing, spreadsheets, e-mail, internet, and other bank specific software. Operates Silverlake, core banking system. Utilizes a variety of office equipment including computer printer, ten-key calculator, fax, copy machine, and multi-line telephone.

History of WNB Financial

Since 1874 WNB Financial has been an important part of the heritage and history of Winona, MN. WNB Financial's downtown building was erected in 1916, originally housing both the Winona Savings Bank and the newly formed Winona National Bank.

Shortly after the historic building at 204 Main Street opened, the two banks merged to form "Winona National and Savings Bank". In 2001, Winona National and Savings Bank merged with its sister-bank, Town and Country State Bank, to once again form "Winona National Bank". At the time of this merger, both banks were subsidiaries of WNB Holding Company. The merger allowed a consolidation of processing, combining of expertise, and three convenient locations in Winona: East, West, and Downtown. In 2017, a loan production office was opened in Eau Claire, Wis., to expand commercial loan services into the Chippewa Valley.

A new name, WNB Financial, was announced in June 2018 to help support our long-term objective for continued growth in and outside of Winona.

EEO/AA Employer/Vets/Disability

Salary Description


$47,763.52 - $71,645.27 Per Year