Credit Analyst

Credit Analyst

Bravera is hiring for a Credit Analyst at any Bravera Bank location (MT, ND or MN). Bravera is an employee- and director-owned company that is committed to helping our employees forge a new path in their career. We work together to drive continuous improvement which enhances the customers experience and keeps our organization moving forward.

A Credit Analyst is responsible for analyzing borrowers' financial statements to determine the degree of risk involved in extending credit to Agricultural and Commercial businesses. They will compile credit presentations for review by lenders and will assist in research of required support material for loan portfolio.

Duties and Responsibilities

1. Earn and maintain the respect and trust of people. Display honesty, integrity, and morality.
2. Responsible to promote a positive and collaborative environment that supports teamwork and excellent customer service throughout the organization.
3. Contribute to the overall success of the organization by leveraging opportunities as they relate to all entities of Bravera Holdings Corp.
4. Must maintain a high level of confidentiality and professionalism regarding all employee and customer issues and information.
5. Analysis of financial information of new and existing borrowers using sound judgment on cash flow and credit worthiness.
6. Assist lenders in constructing financial statement spreads and analyzing financial statements for credit quality including financial ratios, cash flow analysis, collateral analysis, repayment analysis on new and existing loans and applications, etc.
7. Assist lenders in conducting research and completing loan forms and other documentation, as needed.
8. Will follow established Bravera Loan Policies and Procedures and provide feedback as to changes needed.
9. Compile financial information in a standardized format for credit presentation by lenders.
10. Provide objective risk rating for loans based on financial strength of the borrower.
11. Assist lenders in analyzing loan covenant to debt compliance, as needed.
12. Assist lenders with general research and administrative recordkeeping, loan documentation, filing, etc.
13. Understand applicable banking regulations and stay current with changes.
14. Responsible for promoting the organization in the community through participation in various civic and community events, activities, committees, and organizations.
15. Adhere to all banking rules and regulations, including but not limited to the requirements of the Bank Secrecy Act. In addition, the employee will be proactive in the prevention of illegal activities, will vigilantly look for activities that may constitute any type of fraud including money laundering, and will report any suspicious activity to the BSA Officer.

Secondary Duties and Responsibilities

1. Assist lenders with internal file review.
2. Assists lenders with developing existing and new customer relationships.

Qualifications

Preferred:

• Bachelor's degree in accounting, finance, economics, business administration, farm/ranch management, or related field.
• Two years related banking experience.
• Experience as a commercial and/or ag credit analyst.
• Strong analytical skills.
• In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis.
• Effective technical report writing skills.
• Effective verbal and written communication skills.
• Proficient computer navigation skills using multiple software packages.
• Detail-oriented with an emphasis on accurate output.
• Initiative to produce high quality work.
• Effective time management skills.

Location

Any Bravera Bank location (MT, ND or MN)

Benefits

To support this, we provide a competitive and rewarding compensation package which includes a competitive salary, incentive compensation opportunities, retirement plan with company match, health insurance, paid holidays, paid time off (PTO), paid community volunteer time and stock opportunities. As a learning organization, we are committed to investing in the growth and development of our team members, offering training opportunities and tuition reimbursement.

Our Values

• Give and earn trust. We support and empower one another to earn trust through accountable performance.
• Learn, teach and mentor. We are a learning organization that invests in growth and development.
• Collaborate and innovate. We work together to drive continuous improvement to enhance your experience.