Credit Analyst

Credit AnalystCCFBank is currently searching for a Credit Analyst to join our team! This position is onsite in Eau Claire, WI. Are you ready to provide the highest level of service to internal and external customers? As a Credit Analyst, you would be responsible for analyzing credit information for current and potential borrowers, determining the advisability of granting credit for diversified types of loans, assisting loan officers in writing loan requests, and promoting business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.The ideal Credit Analyst candidate is a collaborator who works well in a team environment and can communicate with colleagues from various departments. Bonus points if you're community focused and excited about making a positive difference for those around you.This position is located in office at our corporate office in Eau Claire, WI.Primary Responsibilities of a Credit AnalystPerforms pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.Gathers data from customers, internal and external sources; prepares spreadsheets and analyzes financial information including financial statements and tax returns; obtains additional information and clarification of data.Compiles data from credit bureaus, conducts industry peer comparisons, and performs cash flow analyses and other such tasks and comparisons.Obtains sufficient information and/or documentation from banker.Verifies collateral and lien positionCommunicates with Ag/Commercial Bankers when working credits, spreads, and ticklersWorks in conjunction with other departments to process and service loansDevelops knowledge of financial industry, economy, market conditions, rates, vendors and competition.May represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business.Updates and corresponds with special assets department on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules and regulations; adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position.Performs annual reviews on credit portfolio to establish trends ensuring proper risk rating.Compile credit action presentation complete with accurate financial data and detailed narrative to aid in the credit decisioning processPerforms other duties as assigned.Credit Analyst QualificationsAssociate's degree in accounting, finance, or related field.One year credit analyst experience.Proficient computer skills using Microsoft Word, Microsoft Excel, PowerPoint, and Access.In evaluating candidates for this position, CCFBank may consider a combination of education, training, and experience which provides the necessary knowledge, skills, and abilities to perform the duties of this position.What's in it for you?Full Time, 40 hours per week.Monday – Friday work week.Competitive Pay.Eligible for an annual bonus based on individual goals, performance, and bank goals.Perks:Health, Vision & Dental PlansHealth Savings Account (HSA) with CCF ContributionsEmployer Paid Life Insurance and Long Term Disability PlansVoluntary Life Insurance and Short Term Disability PlansAccident, Critical Illness, and Hospital Indemnity PlansBenefits Care AdvocateFlexible Spending AccountHealth Reimbursement Arrangement (HRA)401K Retirement Plan and Company MatchPaid Time Off and Paid HolidaysTime Off for Bereavement Leave, Parental Leave, and VotingPaid Time Off DonationPaid Time Off Cash OutCompany-Wide Wellness ProgramEmployee Assistance Program (EAP)Colleague Referral ProgramEducation Reimbursement ProgramCareer PlanningColleague Pricing on Secondary Market Mortgage LoansColleague Beyond Save & Spend Accounts PerksDiscount ProgramAt CCFBank you are more than just a number, you are a partner to our team. We are dedicated to investing in our colleagues and providing them with tools they need to grow and develop their careers.We prioritize the needs of our community by allocating resources and encouraging colleague involvement across the regions we operate in. We are proud to be a part of our local communities, and we look forward to continuing to support and serve them.