Credit Analyst II

Hy-Vee, Inc. • West Des Moines, IA

5d

About The Position

The Credit Analyst II is responsible for conducting basic to moderately complex credit analysis consisting 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 on commercial, real estate, agricultural, non-profit and personal loans. At Midwest Heritage, the core of our culture is taking care of the customer and taking care of each other. Our employees appreciate that their contributions make a direct impact on the success of our business as well as their own personal and professional growth. When you become an employee of Midwest Heritage, you enjoy the friendliness and direct customer care of a community bank while also enjoying the many benefits of a larger organization, Hy-Vee. Hy-Vee is one of the largest employee-owned companies in the United States. Please note that all applicants, if presented with a conditional offer of employment, will be required to complete pre-employment screening that consists of credit and criminal. Results of these screenings will determine the confirmation of any employment offer.

Requirements

• 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.
• Proficient computer skills. Microsoft Office preferred (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 detail orientation including the ability to review forms for accuracy and completeness.
• Bachelor’s Degree in Accounting, Finance, Business or related field.
• 2+ years’ experience in credit administration and risk analysis.

Nice To Haves

• Formal credit administration training preferred.

Responsibilities

• Analyze, evaluate and assess financial statements and other related data/information including projections, sensitivity analysis, cash flow, repayment collateral, loan relationships, problem credits, etc. to determine credit worthiness of general to complex credits per loan policy.
• Obtain information from customers and vendors.
• Present 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 various industries, market trends, economic risks, and other related factors and make recommendations to lender and/or loan committee including ways to improve risk management processes.
• Prepare and present credit write-up. This will include a summary of credit risks, identification of loan policy exceptions, proposed improvements to loan structure, and assessment of the loan rating.
• Mentors and trains less experienced peers.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 5,001-10,000 employees