Credit Analyst II

Job Description

Job Description

This position is under the direction of the Senior Vice President of Credit Administration and is responsible for the evaluation of the financial condition of individuals and businesses applying for credit.Analyzes loan data on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions and financial institutions files.Prepares spread sheets, reports, summaries and opinions for financial institution officers on new, renewal and existing loans.Oversees and manages financial information files to assure current reports, statements, accounts receivable and other information on customer accounts.Performs credit inquiries for the financial institution as requested.Establishes, reviews and updates new and existing loan files for the financial institution on a regular basis.Provide ongoing monitoring of credit exposure by preparing annual reviews on commercial credits.Track and secure annual financial statements as required by loan policy.Check pledged assets as requested by lending officer.Assist with ongoing computerization of the credit/loan review function.Assume additional responsibilities as requested.  Skills requiredBachelor's degree in business administration, accounting or financeMinimum five years of experience in the field or in a related area preferredExcellent financial analytical skills, with sound judgment and decision-making abilitiesExcellent communication skills both verbal and writtenAbility to organize and prioritize meeting deadlinesExcellent project management skillsExcellent knowledge of accounting, balance sheets, income statements, cash flow preparation and analysisAbility to work independentlyAbility to interpret trade line credit bureau dataPosition location - 301 East Main Street, Carbondale, IL 62901  EOE/VET/DISABILITY