- Perform credit analyses and financial statement reviews on commercial and ag loan relationships.
- Create professional credit presentations that summarize borrower's financial condition and evaluate repayment capacity and collateral coverage. Make recommendations, tied to analysis, to loan officers and/or loan committee.
- Monitor loan requests and assign risk ratings that are based on established written lending policies and regulatory guidelines.
- Research industry specific information from outside sources and provide analysis.
- Investigate all available sources of credit and financial information, including credit bureaus, Experian Business Credit, the Risk Management Association, industry trends and other companies.
- Review work of analysts and provide feedback.
- Meet with commercial customers of the Bank on a scheduled basis in conjunction with the loan officers to foster relationships and enhance the Bank's understanding of credits.
- Complete credit administration tasks as assigned, including, but not limited to, annual reviews, financial covenant tracking, and borrowing base tracking.
- Complete required training associated with job function.
- Other duties and special projects as assigned. Qualifications Education/Experience:
- Bachelor's degree in Accounting, Finance, or Business Administration and/or commensurate banking experience.
- Knowledge of spreadsheet and word processing software, specifically Excel, Word, and Microsoft Office.
- Formal training in Microsoft Excel preferred. Skills:
- Detail-oriented
- Strong communication skills
- Analytical in nature
- Possess stronger than average time management, organization, and multi-tasking skills
- Business writing skills
- Comfortable in a team environment working with deadlines
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