Senior Credit Analyst

Job TitlePRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES: (90%)Assist in conducting credit investigations and analysis of financial data, the company background, any guarantor support, as well as the industry type on new and existing commercial and agricultural loans as assigned.Preparation of financial statements and projections, spread sheets, peer analysis, and reports including written analysis of the overall credit for the officer, senior lending group and/or loan committee per bank policies and guidelines.Assist in the completion and tracking of borrowing bases, loan agreements, action plans, risk ratings, watch list and collateral evaluations as required.Work with lenders in completing sufficient loan interviews, annual loan reviews and inspections to develop and maintain a strong working knowledge of the overall lending relationship and culture.Maintain a strong working knowledge of the Bank's lending policies and procedures and identification of deviations from the policy.Maintain knowledge and compliance with all banking laws and regulations related to the lending function, including required training to complete all specific job duties.Assist the VP Credit Administration in developing and maintaining credit risk tools and systems to support/maintain credit analysis and bank loan risk goals.Keep abreast of current economic conditions and trends that affect the loan portfolio and banking industry.Provide general support and/or assistance to the lending staff as needed.SECONDARY RESPONSIBILITIES AND ACCOUNTABILITIES: (10%)Represents Bank in industry and professional associations, community organizations, local business groups, etc., and promotes Bank's favorable image.Remains knowledgeable and abreast of guaranteed government loan programs and other conventional financing mechanisms as vehicle for customers.Help in identifying, developing, and soliciting new business opportunities, including referrals of all bank products.Assist with loan review as needed.Compliance with bank policies and procedures and federal and state laws/ regulations.Assist IT with their vendor management by reviewing financials of vendors to ensure there are no concerns with their ability to continue operations.Other duties as may be assigned.ROLE QUALIFICATIONS:EducationBachelor's degree in business, Finance or Accounting, or equivalent combination of education and experienceExperienceA minimum of 10 years of actual Credit Analysis experience either as a Credit Analyst or Commercial/Agriculture Lender with a financial institution.Other Skills and AbilitiesLoan analysis and critical thinking skillsBusiness development/sales skillsStrong communication skills, both written and verbalKnowledge of lending regulations and policiesAbility to interact with customers and employees with tact, diplomacy, and confidentiality.Resourceful, innovative, and well organizedAbility to assess problems and/or unusual situations and develop logical solutions.Strong ethical focusNegotiation skillsMust be a self-starter that can manage and prioritize multiple tasks.PERFORMANCE MEASURES:Meets or exceeds annual goals as pre-established by the CEO that are aligned with the strategic plan.Compliance with regulatory requirementsMeets or exceeds all credit department goals.Meets or exceeds all training requirements. Proactively promotes and develops new customer relationships using the referral system.WORKING CONDITIONS:Work is performed largely within the Bank with limited chance for personal injury. Prolonged and frequent mental and visual concentration required. Periodic stressful situations in response to multiple priorities within established deadlines. Work hours are generally during normal business hours. Unscheduled evening and weekend work may be needed to meet the needs of customers and employees. Occasional out-of-town and overnight business travel may be required. Work on some Saturdays will be required. Must be able to lift and move up to 20 pounds of office supplies and equipment. Some bending, turning, and twisting required.GENERAL NOTICE:This position description describes the general nature and level of work performed by the employee assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability.This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.Equal Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.