Credit Analyst I

WNB Financial NA • Altoona, WI

3d • Hybrid

About The Position

Contributes to the loan decision-making process and sound portfolio management by providing in-depth credit analysis on new and existing clients for Business Banking Officers and Loan Committees. Monitors loan files for adequate and current financial information and documentation. Understands and completes job responsibilities in accordance with federal and state regulations.

Requirements

• Works periodically with clients and works regularly with co-workers.
• Works regularly with highly confidential business and client information.
• Regularly participates in bank events.
• Quality, accuracy, reliability, thoroughness and timeliness of work performed and services provided to clients and co-workers; strong attention to detail; highly organized; keeps Bank and client information confidential; demonstrates friendly and helpful approach and attitude toward internal and external clients.
• Effectively communicates and develops good working relationships with all co-workers and clients; professional workplace appearance and conduct; honesty and integrity in all client and co-worker communications; reliability in reporting to work regularly and on time; understands Bank policies and procedures and applicable state and federal regulations.
• Remains current in field and utilizes that information where practical; participates in training and appropriate professional development.
• Demonstrates professionalism, commitment to the job, and loyalty to the Bank.
• A 4-year college degree in accounting, finance, business or equivalent is preferred.
• Previous accounting/finance related experience preferred.
• Banking experience preferred.
• Must possess courteous and professional customer service attitude; excellent verbal and written communication skills; legible handwriting; ability to maintain the integrity of highly confidential client and Bank information.
• Must possess excellent mathematical skills up to and including projection analysis; strong computer skills, technical ability to input and retrieve computerized information; strong organization and follow-up skills.
• Must possess ability to deal effectively with time pressures and stress that can change hourly depending on level of client activity.
• Must possess effective problem solving and technical research skills.
• Must be a self-starter and independent thinker.

Responsibilities

• Completes beginner to moderate level loan requests and reviews
• Analyzes financial information
• Identifies, requests, and tracks information needed to complete the credit analysis
• Identifies and reports areas of concern
• Ensures compliance with federal, state, and bank regulations
• Reviews loan file for proper documentation
• Completes appraisal reviews
• Complete property evaluations on commercial and residential properties
• Performs site visits as needed
• Assists in the preparation of business banking audits and providing information to third parties
• Serves as Secretary to the Officer Loan Committee
• Serves on bank committees as needed
• Participates in internal and external training and development opportunities as required
• Other job-related duties necessary to carry out the responsibilities of the position

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level