Credit Analyst

Universal Banker

At Columbus Bank and Trust, our employees are the heart of our story—and we're committed to their success! Please see below the details of this career opportunity and how it fits into our organization's success.

Full Time, Hourly, Mon-Sat

Seeking a team oriented, positive and outgoing professional for the Universal Banker role at Columbus Bank and Trust!

What's in it for you?

Columbus Bank and Trust Company has a focus on a superior employee experience that goes hand in hand with our superior customer experience!

All Full Time are eligible for benefits including:

• Competitive Pay
• Paid time off and paid holidays
• Medical/Dental/Vision/Life/Disability/SEP/ Bonus
• Career development/Training/Career coaching/Job shadowing
• Employee banking benefits and other discounts

About Us

Columbus Bank and Trust Company is a locally owned hometown bank that first opened its doors on February 2, 1935. Since that day, we have remained deeply rooted in the Columbus community, proudly maintaining local ownership for more than 90 years.

The original owners—R.V. Prokop, J.H. Moeller, and W.E. Barkley established the bank with a commitment to personal service and community investment. In 1938, the Bradley Family acquired the bank and guided it for 75 years. In July 2013, a local group of investors purchased Columbus Bank and Trust Company, reaffirming its commitment to remaining locally owned and community driven. Jeff Johnson was appointed President and Chairman of the Board at that time.

Today, Columbus Bank and Trust Company continues that legacy under the leadership of Joshua Johnson, President & Chief Executive Officer, with Jeff Johnson serving as Chairman of the Board.

The bank has experienced meaningful growth over the past two decades. In 2004, our Highway location opened to better serve our expanding customer base, and our Downtown location has undergone several renovations to enhance both customer experience and operational efficiency. While we have grown in size, services, and technology, our focus has never changed.

Our strength lies in relationships. Our employees are actively involved in civic, church, and local organizations, investing their time and leadership into making Columbus stronger. We believe community banking is more than transactions, it's partnership, trust, and long-term commitment.

For generations, Columbus Bank and Trust Company has remained:

Customer Focused. Community Minded. LOCALLY Owned.

And we remain committed to carrying that legacy forward for generations to come.

Our Mission Statement

To be the locally owned, hometown bank, providing a wide range of exceptional financial services that meet the needs of our customers through our dedicated, knowledgeable and courteous employees.

What will you be doing?

The Credit Analyst is responsible for supporting the Bank's lending function by completing financial analysis, preparing credit presentations, reviewing borrower financial information, and assisting with the overall credit administration process. This position plays an important role in helping the Bank maintain strong credit quality, consistent underwriting standards, accurate documentation, and sound risk management practices.

The Credit Analyst works closely with lenders, the Chief Credit Officer, Loan Operations, and other members of the credit team to ensure loan requests and renewals are analyzed thoroughly, presented clearly, and supported by appropriate financial information, collateral analysis, repayment ability, and risk rating recommendations.

Essential Duties and Responsibilities

Credit Analysis and Underwriting

• Analyze borrower financial statements, tax returns, cash flow, collateral information, guarantor support, and other relevant financial data.
• Prepare written credit presentations for new loan requests, renewals, modifications, and annual reviews.
• Evaluate repayment ability, debt service coverage, liquidity, leverage, collateral support, and overall financial strength.
• Identify key credit strengths, weaknesses, risks, and mitigating factors.
• Assist lenders in structuring loan requests consistent with Bank policy, borrower needs, and sound credit principles.
• Recommend appropriate risk ratings based on financial performance, collateral position, repayment history, and overall credit risk.

Loan Review and Portfolio Support

• Assist with periodic loan reviews, including review of financial information, collateral support, documentation, loan structure, and approval history.
• Review credits for additional advances, renewal accuracy, documentation consistency, and policy compliance.
• Help identify potential credit weaknesses, exceptions, trends, or process concerns.
• Support ongoing monitoring of borrower performance, covenant compliance, insurance, collateral documentation, and financial reporting requirements.
• Assist with preparation and tracking of watch list credits, special mention credits, and other credits requiring additional monitoring.

Credit Presentation and Committee Support

• Prepare complete, accurate, and professional credit presentations for lender, Chief Credit Officer, and Credit Committee review.
• Ensure presentations include appropriate background, loan purpose, repayment source, financial analysis, collateral analysis, guarantor review, risk rating support, and recommendation.
• Work with lenders and the Chief Credit Officer to revise and improve credit presentations prior to committee meetings.
• Maintain notes, supporting analysis, and documentation of credit review discussions when appropriate.
• Assist with reports and materials needed for Credit Committee, CECL Committee, senior management, and Board reporting.

Policy, Compliance, and Documentation

• Ensure analysis and recommendations are consistent with the Bank's loan policy, credit standards, underwriting expectations, and regulatory guidance.
• Review loan files to confirm required financial information, collateral documentation, approvals, and supporting documents are complete.
• Identify and communicate documentation gaps, policy exceptions, financial reporting deficiencies, or other credit concerns.
• Assist with loan grading accuracy, exception tracking, and corrective action follow-up.
• Support the Bank's commitment to strong internal controls, regulatory compliance, and prudent risk management.

Communication and Team Support

• Communicate effectively with lenders, Loan Operations, Credit Administration, and management.
• Provide timely and accurate analysis to support loan decisions and renewal deadlines.
• Ask questions, seek clarification, and provide thoughtful feedback when information is incomplete or unclear.
• Maintain professionalism, confidentiality, and accuracy in all credit-related work.
• Support a culture of accountability, continuous improvement, teamwork, and customer service.

Required Qualifications

• Bachelor's degree in finance, accounting, business administration, agricultural business, economics, or related field preferred.
• Prior banking, credit analysis, lending, accounting, or financial analysis experience preferred.
• Strong understanding of financial statements, tax returns, cash flow analysis, collateral analysis, and business operations.
• Ability to analyze financial information and summarize findings clearly and accurately.
• Strong attention to detail, organization, time management, and follow-through.
• Ability to manage multiple priorities and meet deadlines.
• Strong written and verbal communication skills.
• Ability to maintain confidentiality and handle sensitive customer and financial information.
• Proficiency with Microsoft Office, including Excel and Word.
• Experience with Web Equity, Fiserv Premier, or other banking/credit systems preferred but not required.

Preferred Skills and Abilities

• Understanding of commercial, agricultural, consumer, and real estate lending.
• Ability to identify credit risk and recommend appropriate risk ratings.
• Strong analytical and critical thinking skills.
• Willingness to learn and develop within the Bank's credit culture.
• Ability to work independently while also contributing to a team environment.
• Professional judgment and the ability to communicate concerns respectfully and directly.
• Commitment to accuracy, consistency, and continuous improvement.

Physical Requirements

• Primarily office-based position.
• Ability to sit for extended periods and work at a computer.
• Ability to review detailed reports, financial statements, and electronic loan files.
• Occasional travel between Bank locations or to training events may be required.