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Credit Analyst
Category: Other
  • Your pay will be discussed at your interview

Job code: lhw-e0-89744112

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Iowa State Job Bank

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  Job posted:   Thu May 17, 2018
  Distance to work:   ? miles
  1 Views, 0 Applications  
Credit Analyst
POSITION SUMMARY The Credit Analyst is responsible for assessing a loan applicantis credit worthiness. Credit analyst include analyzing credit data and financial information of persons or companies that are applying for credit or loans to determine the risk to the bank. This position assist lenders in managing their portfolios. KEY ORGANIZATIONAL RELATIONSHIPS iReports to senior Lender.iWorks closely with all lenders, financial analyst, customers, and vendors. DUTIES AND RESPONSBILITIES Essential Duties and ResponsibilitiesTo perform this job successfully an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. iProvides support of loan lenders and officers through financial statement spreading and analysis of new loan requests and existing credit relationships.iUnder direction, prepares formal loan proposals, risk ratings and loan pricing worksheets which summarize the total relationship and a complete financial overview to include ratio and trend analysis.iProvides additional loan agreement/covenant monitoring support to commercial lending and underwriting groups.iProvides on-going portfolio assistance through spreading on-going required financial statements as they are received from the Bankis customers. iEnsures all documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable.iAssist in coordinating the tickler system. Manage the files for final completion documents on all transactions, on-going financial statements, tax returns, and other tickler items. iMonitor all credits are risk rated, and that risk ratings remain commensurate with the quality of the credit as supported by file and financial information.iAbility to take payments, look up balances and interest rates.iPrepare Right to Cure notices on installment or real estate loans on an ongoing basis for 30+ day delinquencies or as otherwise directed by Loan Committee.iAssist lenders in managing their portfolios, pull credit reports, pull flood determinations, and order appraisals. Efficiently prepare Laser Pro loan documents to assist lenders, ensuring they are prepared correctly, accurately and enforceable. iAttend loan committee to learn and assist lenders. iPerforms other duties as assigned. SKILLS AND ABILITIES To perform this job successfully, an individual should demonstrate the following knowledge, skills, and abilities.iAbility to read, analyze, and interpret general business documents, technical procedures or governmental regulations. Ability to write reports, business correspondence, and procedures manuals. Ability to effectively present information and respond to questions from groups of managers, and customers.iFamiliarity with computers and banking applications/software. Solid understanding of lending products and practices.iExcellent communication and interpersonal skills. EDUCATION AND EXPERIENCE iAssociate Degree in Business Administration, Accounting, Finance or related field; or 2-3 experience and/or training; or equivalent combination of education and experience.iExperience in process evaluation or comparable experience. iExcellent critical thinking and analytical skills.iStrong organizational and prioritizing skills, and time management skills.iExcellent inter

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