Credit Analyst

Job Category Banking , Credit , Lending Employee Type Full Time Manage Others No Contact information Name Bill Niebuhr Phone View phone number on click.appcast.io Email View email address on click.appcast.io Description As a Credit Analyst at Bank of Sun Prairie, you’ll play a crucial role in driving the success of our commercial loan department. You’ll be responsible for analyzing financial statements, conducting credit analysis, and evaluating the risks associated with new and existing commercial relationships. Your insights will directly impact the decisions made by our lenders, helping to build and maintain strong, profitable customer relationships. This role is ideal for a detail-oriented professional who thrives in a fast-paced environment and is passionate about financial analysis and risk management. Requirements PRIMARY RESPONSIBILITIES Supporting the Commercial Loan Department: Conduct in-depth research and analysis of public records, credit histories, and financial statements to assess creditworthiness. Evaluate the extension of credit by creating financial projections, analyzing historic financials, calculating risk ratings, and ensuring compliance with bank policies, procedures, and underwriting guidelines. Track customer financial data and covenant compliance, ensuring that loans are properly recorded once approved. Provide accurate and timely analysis, supporting decision-making processes with well-founded recommendations. Collaborate with lenders and prospective borrowers to understand and underwrite risk, contributing to the overall success of the Bank. Ensuring Regulatory Compliance: Stay current with evolving federal and state lending regulations, ensuring all practices align with the latest requirements. Work closely with the Compliance department to ensure all loans meet regulatory standards. Keep informed of bank policies, underwriting guidelines, and procedures. Participate in ongoing training and education, including seminars and financial publications, to stay informed about changes in lending and compliance standards. Proactively prepare for regulatory requirements, ensuring that all necessary documentation and processes are in place. Active Participation in Meetings: Attend and contribute to weekly loan committee meetings, offering insights, answering questions, and providing support. Take minutes during loan committee meetings and submit them to the SVP-Credit Officer. Participate in monthly discussions on substandard, watch reports and delinquency management. When requested, engage with customers or prospects as needed, bringing in new business and deepening existing relationships. SECONDARY RESPONSIBILITIES Maintain knowledge of mortgage underwriting to provide support during peak times. Identify and recommend cross-selling opportunities to the business banker, enhancing customer relationships and driving business growth. Take on additional duties as assigned, contributing to the overall success of the team and bank. Summary SKILLS Expertise in financial statement and tax return analysis. In-depth knowledge of state and federal lending regulations and bank lending policies. Strong aptitude for advanced math and financial analysis. Excellent organizational and time management skills in a fast-paced environment. Effective problem-solving skills and attention to detail. Leadership qualities and the ability to build strong team relationships. Strong communication skills, both verbal and written, with a focus on delivering clear and concise reports. QUALIFICATIONS Credit Analyst I: Bachelor’s degree (BA) or equivalent with 2 years of directly related work experience; or Associate degree (AS) or equivalent with 4 years of directly related work experience; or 4 years of directly related work experience with additional banking education through in-house training or financial industry curriculum. At least 2 years of experience in performing credit reviews, focusing on less complex loan requests, with the ability to work independently. Strong knowledge of bank lending policies and terminology. Credit Analyst II: Meets qualifications of Credit Analyst I. At least 3 years of experience performing and leading some complex credit reviews, including multi-borrower and guarantor loans, new customers, construction loans, and SBA 504 loans. Assists with loan reporting to the Board of Directors, including but not limited to: Reg O, TLMs, HVCRE loans, capitalization of interest, and portfolio concentrations. Embraces behavior standards and serves as a resource across departments. Credit Analyst III: Meets qualifications of Credit Analyst II. At least 5 years of experience performing and leading complex credit reviews, including multi‑borrowers and guarantors, new customers, construction loans, and all government‑guaranteed loans. Assists with the training and orientation of new hires in the credit department. Provides input into the development of policies, practices, and procedures, consistently demonstrating leadership and expertise. ADA : The incumbent is a position that requires sitting, standing, bending, and walking requirements. The incumbent must be able to accommodate detailed work, problem solving, customer contact, math, language, verbal and written communications, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions. Reasonable accommodations may be made to enable individuals with disabilities to perform the primary responsibilities. WORKING CONDITIONS This position is located in an office environment with artificial lighting and controlled heating/air conditioning. The position includes prolonged periods of working on a computer and repeating motions that may include the wrists, hands and/or fingers. The incumbent needs to occasionally move about inside the office to access file cabinets, office machinery, etc. #J-18808-Ljbffr