Credit Analyst

Hy-Vee, Inc. • West Des Moines, IA

4d

About The Position

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. Midwest Heritage Job Title: Credit Analyst I Department: Banking FLSA: Exempt General Function: The Credit Analyst I is responsible for conducting credit analysis for less complex credits and assisting on complex credits in the Ag/Commercial Department. Position consists 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.

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.
• Minimum Education: Bachelor’s Degree in Accounting, Finance, Business, or related field.
• Minimum Experience: Experience in credit administration and risk analysis preferred.
• Formal financial analysis/credit administration training preferred.

Nice To Haves

• Experience with Abrigo Lending Software and Sageworks is preferred
• General knowledge of Agriculture industry and farm operations is helpful, but not required.

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 less complex credits and assist in complex credits per loan policy.
• Assist in obtaining information from customers and preparing 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 basic credit write-ups and assist in complex credits. This will include a summary of credit risks, identification of loan policy exceptions, proposed improvements to loan structure, and assessment of the loan rating.
• Assist in imaging and maintaining the bank’s tickler (document collection) system.

What This Job Offers

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