Credit Analyst - Emerging Banker

First Bank & Trust•Roseville, MN

21h•$59,477 - $80,295

About The Position

This role is ideal for individuals with a strong interest in building a career in banking, specifically as a commercial or agri-business banker. Successful candidate s will demonstrate a genuine passion for learning the fundamentals of credit analysis, financial assessment, risk management, and loan underwriting. As part of an immersive, structured training program, participants will be given hands-on experience to develop the skills necessary to succeed. Primary responsibilities include reviewing loans to ensure compliance with the bank’s Loan Policy and Guidelines.

Requirements

This person should have a bachelor’s degree or the equivalent .
With oversight, t his person should be able to analyze routine credits us ing sound credit judgment .
C ommunication skills, a proficiency toward s detail, and the ability to comprehend and apply Loan Policy and Guidelines is .
A n aptitude towards business development and building relationships both internally and externally is necessary.

Responsibilities

Learn the Credit Analyst role and build in-depth knowledge of the lending process.
Meet, learn from, and build positive relationships with the credit department, bankers, the Market President, and other senior leaders across the organization.
Analyze and risk rate credit lines and critique the credit classifications assigned by the Loan Officers. The analysis must be consistent with the findings of the appropriate regulatory agencies.
Spread, analy ze and review financial statements for current and prospective borrowers in a variety of industries using tax returns, financial statements, credit reports and other reporting as needed or requested .
Summarize and analyze findings in the bank’s written credit presentation.
Prepare annual reviews on borrowing relationships in accordance with loan policy.
Monitor covenant compliance with loan agreements.
Present loan files or credit lines not meeting the standards of Loan Policy and Guidelines to the Credit Analyst Manager with a detailed explanation of the credit exceptions and the recommended action necessary to correct the deficiencies and improve the bank's position.
In the event of minor technical documentation discrepancies or identified potential credit weakness, communicate directly with the Loan Officer and Credit Analyst Manager , requesting correction of the discrepancies and recommending alternatives for improving the credit lines. Perform follow-up action as necessary until corrected.
As required, perform services and projects for the department and the bank .
Attend Credit Department and other committee meetings as requested by management .
Act in accordance with F BT policies and procedures as set forth in the employee handbook.
Adhere to compliance procedures and participate in compliance training.