Credit Analyst I

Midwest Heritage, A Hy-Vee Company • Carroll, IA

3d • Onsite

About The Position

The Credit Analyst I is responsible for conducting credit analysis for less complex credits and assisting on complex credits in the Ag/Commercial Department. Position consists of gathering, analyzing and interpreting credit information for existing and prospective customers in order to assess credit quality and to minimize risk and potential loss. The focus of this role will be agricultural credits, but the candidate will be expected to look at some commercial credits from time to time as the need arises.

Requirements

• Demonstrated general knowledge of farming and farm operations including row cropping and cattle is required.
• Proficient computer skills are required. Microsoft Office (Outlook, Power Point, Excel and Word.)
• Good verbal and written communication skills.
• Strong interpersonal skills; ability to relate to and interact with people in a friendly, professional manner.
• Strong attention to detail including the ability to review forms for accuracy and completeness.
• Commitment to the Midwest Heritage mission and willingness to promote the values of the organization.
• Strong organizational and time management skills with the ability to prioritize multiple tasks and meet deadlines.

Nice To Haves

• Experience with Abrigo Banking Software is a plus.
• Formal financial analysis/credit administration training.

Responsibilities

• Analyze, evaluate and assess financial statements and other related data/information including projections, sensitivity analysis, cash flow, collateral, loan relationships, problem credits, etc. to determine credit worthiness per loan policy.
• Assist in obtaining information from customers and preparing loan presentations to lender and/or assist with presentation to loan committee.
• Identify risks and make recommendations to lenders regarding findings and working with customers, issues, data, etc.
• Evaluate and monitor ag sector, livestock and commodity market trends, economic risks, and other related factors to make recommendations to lender and/or loan committee including ways to improve risk management processes
• Prepare and present basic credit write-ups and assist in complex credits. This will include a summary of credit risks, identification of loan policy exceptions, proposed improvements to loan structure, and assessment of the loan rating.
• Assist in imaging and maintaining the bank’s tickler (document collection) system.

What This Job Offers

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