Credit Analyst

Credit Analyst

Evaluates financial condition of individuals and businesses applying for credit with the bank. Conducts periodic credit reviews of financial and credit information to assist lending and credit administration department personnel in the credit decision making process. Complies with banking regulations which are applicable to job, including Bank Secrecy Act and information security initiatives.

Performs a complete review and/or analysis of specific borrowing relationships and in conjunction with the Credit Administration department, prepares necessary reports to support credit making decisions. The final product is utilized by bank management to determine the creditworthiness of the customer. Challenges include preparing the necessary analysis or report in an objective fashion that is consistent with Central Bank of Boone County lending policy and the Central Bancompany reporting standards. Prepares an objective, accurate, and concise analysis and/or review of financial and credit information utilizing bank and industry standards. Assists with analysis for making the credit decision and needs to address all significant loan underwriting, administrative and credit risk issues. The final product must provide an interpretation of the financial position and credit worthiness of the customer with supporting documentation. Must remain objective and independent regarding the loan relationship. Performs the 'information gathering' and/or 'evaluation assessment' role. May be asked to assist loan department personnel in presenting information to Loan Committees or bank customers. Professional in demeanor and able to communicate through possible controversial issues with loan department personnel in a very straightforward and equitable manner. Is responsible for compliance with all banking regulations which are applicable to the job, including Bank Secrecy Act and information security initiatives.

Works with all departments of the bank and its affiliates, coordinating work and documentation as needed to complete files. Interacts with Commercial Lending and Credit Administration employees on a daily basis to complete work in timely and thorough manner. Analyzes approximately 100-150 proposals/reviews annually.

Bachelor's degree or equivalent educational background. Knowledge of basic accounting and commercial and consumer lending procedures, laws, and regulations preferred. Must possess strong financial analytical abilities. Excellent written and verbal communication skills are needed. Ability to work independently, attention to detail, time management and organizational skills are required.