Credit Analyst - Sheboygan

About the position

Bank First was recently named to the Top 100 Banks to work for in the Country! Come see why! The Business or Credit Analyst is responsible for completing in-depth credit analysis on new and existing clients of the Bank to assist in the loan decision-making process. This includes a risk rating determination, properly identifying strengths and weaknesses, and noting any deviations from the Loan Policy. The expectation is this position will grow into either a Business Banking Representative or a Credit Officer.

Responsibilities

• Analyzes financial statements (including performance ratios) of all levels of quality to develop an initial assessment as it relates to the borrower's historical (or projected) operating performance.
• Prepare written analysis which will include credit investigation of the borrower and guarantors, economic market conditions as they relate to the company, industry, and market area, in-depth historical financial analysis, in-depth analysis of secondary sources of repayment including collateral, and properly identifying all exceptions to the Loan Policy.
• Tracking and spreading of required business and personal financial statements.
• Assist in the tracking and timely completion of annual credit reviews, as required by the Loan Policy.
• Review collateral and loan documentation to ensure accuracy in comparison to the approved structure.
• Conduct UCC and/or Real Estate Title Searches to properly identify collateral position.
• Order real estate appraisals or evaluations as needed.
• Supports credit administration function for the overall management of the bank's loan portfolio.
• Adherence to all regulatory and compliance requirements.
• Participate in special projects pertaining to credit administration or other company-wide initiatives when called upon.
• Completion of all bank required training.
• Participate in customer meetings as requested by the relationship managers.
• Participate in civic activities to promote development of the community and the positive image of the bank.
• All other tasks as assigned.
• Adheres to the bank's Code of Ethics.

Requirements

• Bachelor's Degree in Accounting, Finance or Economics is preferred.
• Prior experience in credit is preferred. Individuals in this position generally have 0-3 years of experience.
• Financial aptitude - basic understanding and ability to interpret financial statements.
• Strong verbal and written communication skills.
• Strong analytical and mathematical skills.
• Proficient computer skills (Microsoft Word, Power Point and Excel).
• Attention to detail.

Benefits

• $1,000 Sign On Bonus