Credit Analyst II

First Mid Bank & Trust•Des Moines, IA

10d•$51,000 - $76,600

About The Position

Responsible for conducting in-depth credit analyses for new and existing commercial and ag loan relationships. Conduct financial statement review for loan officers, as well as comprehensive statement spreading.

Requirements

Bachelor’s degree in Accounting, Finance, or Business Administration and/or commensurate banking experience in a lending or credit function.
3+ years of experience in commercial credit analysis or banking industry.
Detail-oriented
Strong oral and written communication skills
Exhibits the ability to gather, consolidate, analyze and summarize data to provide well-considered recommendations on a substantially independent basis.
Good analytical skills with high attention to detail and accuracy.
Knowledge of regulatory requirements and expectations related to the lending function.
Possess stronger than average self-management, time-management, organization, and multi-tasking skills.
Comfortable in a team environment working with deadlines.

Nice To Haves

Formal advanced training in Microsoft Excel preferred.

Responsibilities

Perform credit analyses and financial statement reviews of complex loans, industries, and commercial and ag loan relationships.
Create professional credit presentations that summarize borrower’s complex financial condition and evaluate repayment capacity and collateral coverage. Make recommendations, tied to analysis, to loan officers and/or loan committee.
Monitor loan requests and assign risk ratings that are based on established written lending policies and regulatory guidelines.
Research industry specific information from outside sources and provide analysis.
Investigate all available sources of credit and financial information, including credit bureaus, Experian Business Credit, the Risk Management Association, industry trends and other companies.
Assist with training of less tenured analysts.
Review work of analysts and provide feedback.
Meet with commercial customers of the Bank on a scheduled basis in conjunction with the loan officers to foster relationships and enhance the Bank’s understanding of credits.
Support other segments of Credit Analysis as assigned, such as miscellaneous loan or credit related reporting, tracking, and monitoring.
Participate in credit-related projects and complete training associated with job function.