Credit Analyst

The FNB Community Bank•Vandalia, IL

4d•$20 - $27•Hybrid

About The Position

As the Credit Analyst I, you will play a crucial role in ensuring the seamless processing and management of loans. You will analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending funding.

Requirements

1 year of experience in loan analysis, loan processing, underwriting, or a related role
Proficient understanding of federal, state, and local regulations related to loan administration
Excellent analytical and problem-solving skills
Exceptional communication and interpersonal skills
Ability to work in loan processing software and Microsoft Office Suite
Ability to work independently and as part of a team
Strong attention to detail and organizational skills
High-quality customer service skills
Excellent interpersonal skills
Detail oriented
Solid communication skills which include verbal, written, and listening skills
Desire to expand product knowledge and procedural skills
Ability to read and comprehend legal and regulatory material related to the job area
Ability to read, analyze, and interpret business and professional documents
Proficient in writing reports, business correspondence, and procedure manuals
Capable of effectively presenting information to various stakeholders
Work with mathematical concepts such as probability, statistical inference, and geometry
Apply mathematical concepts to practical situations using fractions, percentages, ratios, and proportions
Solve practical problems with limited standardization
Interpret various forms of instructions, whether written, oral, or diagrammatic
Operate office equipment including telephones, copiers, fax machines, PCs, and printers
Advanced proficiency in computer applications is required
Bachelor’s Degree Required with at least 1 year of credit analysis, loan processing, or loan administration experience
Knowledge of lending policies and procedures, compliance policies and procedures, and Banking Regulations.

Responsibilities

Be customer service driven and respond to all customer requests with tact, diplomacy, and a sense of urgency
Prepare reports that include the degree of risk involved in extending credit or the lending of funds
Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity
Analyze financial data such as income growth, quality of management, and market share to determine the expected profitability of loans
Confer with credit associations and other business representatives to exchange credit information
Complete loan applications, including credit analyses and summaries of loan requests, and submit them to loan committees for approval
Compare liquidity, profitability, and credit histories of establishments being evaluated with those similar establishments in the same industries and geographic locations
May prepare reports for various loan officers, department heads, and board members
Assist with departmental projects
Consult with customers to resolve complaints and verify financial and credit transactions
Represent the bank in a manner that maintains and expands positive relations with customers, potential customers, and coworkers
Display a professional image through appearance and behavior
Review and comply with all state and federal regulations and FNB policies and procedures
Maintain the highest level of confidentiality
Other duties as assigned