Prepare financial statement spreads on a timely basis, for businesses and individuals, including cash flow analysis, line usage charts and financial projections as assigned by the Credit Manager to support the Commercial Lending Department.
Prepare detailed written credit analyses on all commercial loans required in accordance with the Bank’s commercial loan policy. These write ups provide support for existing and new loan relationships and many times are presented to the Directors’ Loan Review Committee for approval. In these analyses, the analyst is expected to propose appropriate credit risk ratings for loans and identify loan policy exceptions.
Conduct comprehensive reviews of appraisals that secure commercial real estate transactions of the Bank. These reviews are used to ensure the appraiser used sound methodology.
Perform property evaluations for existing CRE loans as assigned by the Senior Credit Analyst.
Assist the Credit Manager as necessary in tracking financial statement information, obtaining external credit reports and industry data to support the Bank’s loan portfolio analysis.
Participate in Bank’s development and training programs to further skills and/or promote bank services.
Interact with the loan department, borrowers, appraisers and accountants as needed in a professional manner.
KNOWLEDGE, SKILLS AND ABILITIES
Strong mathematical and analytical skills
Excellent written and verbal presentation skills
Strong organizational and time management skills
Self-starter and can work independently
Must be highly detail-oriented
Must be capable at multi-tasking
Must be team oriented
Strong PC skills – Word, Excel, Access, PowerPoint, etc. Baker Hill knowledge a plus.
TRAINING AND EXPERIENCE
Bachelor’s Degree Required (Accounting or Finance or Business with Accounting emphasis) and a minimum of 18 months experience as a credit analyst at a financial institution.
Or Commensurate experience
WORKING ENVIRONMENT AND CONDITIONS
Typical office environment with exposure to moderate noise levels.
The work environment characteristics and physical demands described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Adherence to established policies and procedures pertinent to the position which include but are not limited to BSA, Privacy, CRA and Safeguarding Customer Information together with periodic training and testing will also be required.
The job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Other duties, responsibilities and activities may change or be assigned at any time with or without notice.
Since 1915, Home State Bank's goal has been to create a better quality of life for our neighbors and to work together to build a better community. Today, that goal is still the cornerstone of our success. We believe that relationships with our customers are our most important assets and we strive to provide the best service possible every day. Voted Best Bank of the Fox five times from 2009-2014. ...Also winning in Best of the Fox in 2014 the following: Voted Best Philanthropist, Best Employer (over 40 employees) and Best Financial Advisor.
Home State Bank is an equal opportunity employer - People of color, women, veterans and individuals with
disabilities are encouraged to apply.