Credit Analyst II

MNB•Malvern, AR

12d

About The Position

Under general supervision and guidance of the Senior Credit Analyst, the Credit Analyst II is responsible for analyzing and projecting credit and financial information on various types of loans for customers applying for credit or loans to determine the risk that the bank will not recoup funds loaned. The level of risk is then used to determine if a loan or line of credit will be granted, and if so, the terms of the loan, including interest rate. The Credit Analyst II prepares reports based upon their findings to help make decisions on lending and credit-worthiness; Work is highly confidential in nature and involves the skilled use of a computer.

Requirements

High school diploma or GED required
Minimum five (5) years commercial credit analyst, underwriter, and/or commerical lending experience required
Exhibit ability to effectively support Supervision
Communicate effectively (both oral and written)
Display impeccable understanding of financial statements, ratios, and concepts
Successfully manage assigned tasks independently while meeting time constraints
Calculate figures and amounts (e.g. discounts, interest, commissions, percentages, etc.); apply mathematic concepts (e.g. fractions, ratios, proportions, etc.)
Exhibit strong analytic skills and attention to detail while organizing information
Multi-task and rotate job tasks with seamless flexibility
Read, understand and comply with documents (e.g. policy manuals, laws, regulations, internal procedures and controls, etc.) and exercise independent judgement, initiative, and discretion based on knowledge of such in performing daily activities
Foster an atmosphere of teamwork and enthusiasm
Exercise trustworthy service, courtesy, tact and diplomacy in dealing with others
Efficiently use standard office equipment (i.e. desktop/laptop computer and software, copier, scanners, printers, fax, 10-key calculator, multi-line telephone system, etc.)
Proficiently use MS Office applications (Word, Excel)
Exhibit general knowledge of commercial bank computer applications

Nice To Haves

Bachelor’s Degree in Accounting or Finance preferred

Responsibilities

Evaluate borrowers’ credit data and financial statements in order to determine the degree of risk involved in lending money, to monitor trends and conditions
Spread financial statements into financial software
Maintain and update tracking software program for financial exceptions
Create Excel worksheets to organize, analyze, present, and store data
Prepare reports surrounding the degree of risk in lending money to borrowers
Determine and alert senior management as to potential problem situations which surface from analytical investigations
Analyze borrower records, using the data to recommend payment plans
Confer with credit associations and references to exchange credit information on borrowers
Provide assistance in preparation and presentation of loan proposal packets, including the credit analysis and loan request summaries; submit to loan committees for review/approval
Verify covenant information and note exceptions
Prepare monthly reports for senior management
Reconcile credit files and identify discrepancies and variances
Remain abreast of company’s lending protocols
Successfully complete compliance training
Adhere to internal controls and procedures
Understand and comply with bank policies as well as regulations and laws applicable to the position
Maintain utmost confidentiality and professionalism in dealing with others
Perform any other related duties as may be required or assigned
Champion the MNB mission statement with pride and enthusiasm
Maintain a high-level of cooperation and rapport among team members to ensure accuracy and efficient operations and service
Perform all aspects of your position with a coachable spirit
Collaborate in the sharing of new ideas that will drive the organization’s bottom line
Participate in volunteer opportunities surrounding the bank
Exhibit professionalism at all times