Credit Analyst II

Midland States Bank • Rockford, IL

130d • $28 - $35

About The Position

This position is expected to have 1-3 years of credit analysis experience. A good understanding of processes, policies, regulation and rules is expected at this level. This position is responsible for spreading and analyzing commercial and consumer financial information. The analysis is compiled into a Credit Approval Form. These tasks will be completed under limited supervision. Acts as a resource for the lending team, identifying and analyzing risk as well as performing research as needed. As a member of the Credit Administration team, this individual will assist with overall credit administration through specific assigned tasks. This individual will be held accountable for credit quality and personal goals.

Requirements

• Bachelor's Degree or experience equivalency.
• 1-3 years credit/risk analysis experience.

Nice To Haves

• Business insight
• Cultivates innovation
• Drives results
• Makes sound decisions
• Being a brand champion
• Collaborates
• Communicates effectively
• Customer focus
• Being Authentic
• Emotional Intelligence
• Self development
• Being flexible and adaptable

Responsibilities

• Fully understand and implement all aspects of all loan policies and bank regulations.
• Meets or exceeds all goals established.
• Attends department and bank meetings as required.
• Accepts other duties and responsibilities as assigned.
• Maintains positive attitude.
• Abides by all bank policies and procedures.
• Maintain compliance with all applicable regulations including, but not limited to, the Bank Secrecy Act (BSA).
• Spreads financial information by using the bank's financial software.
• Perform analysis as requested and on loan relationships generally greater than $1,000,000 in aggregate credit exposure.
• Complete Credit Approval Forms (CAF) for credit relationships greater than $1,000,000.
• Underwrite and decision retail loan requests within loan policy and designated authority.
• Recommend loan decisions based upon overall credit analysis.
• Perform all loan origination functions including analysis, loan structuring, underwriting, document preparation and quality control.

Benefits

• Comprehensive healthcare
• Well-being benefits
• Paid family leave
• Generous paid time off
• Banking perks
• Employee Stock Purchase Plan
• 401K plan with company match
• Opportunity to participate in Non-Qualified Deferred Compensation plan

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree