Credit Analyst - Owensboro, KY

Independence Bank • Owensboro, KY

2d • Onsite

About The Position

The Credit Analyst conducts credit investigations and analyzes credit information related to loans. The role evaluates borrowers’ creditworthiness and likelihood of meeting financial obligations and repaying loans by reviewing financial history and projecting future income. The position is not eligible for remote work.

Requirements

• Computer experience required.
• Experience with Microsoft Excel required.
• Analytical thinking skills.
• Mathematical skills.
• Knowledge of finance and accounting concepts and practices.
• Oral and written communication skills.
• Time management skills and ability to meet deadlines.
• Ability to multi-task.
• Computer skills.
• Detail-oriented.
• Sedentary work, including occasional walking and standing and lifting or carrying items weighing no more than 10 pounds.

Nice To Haves

• A bachelor’s degree in finance, accounting, or a related field is preferred.
• A minimum of two years of experience in finance, accounting, or a related field is preferred.

Responsibilities

• Investigate and review available credit and financial information for individuals and companies, including company audits, tax returns, management-prepared statements, individual tax returns and financial statements, and farm analysis statements.
• Interpret and enter financial information into the software system.
• Research and examine credit risks and evaluate customer credit reports.
• Analyze financial information to predict patterns and trends, including projecting future income.
• Determine customers’ cash flow and risk profiles according to Bank credit policy.
• Prepare spreads and cash flow spreadsheets, present facts, and offer opinions concerning creditworthiness.
• Assist lenders in gathering and interpreting financial information from customers, accountants, and bookkeepers.
• Scan work papers and maintain customer information files and the work log.
• Maintain knowledge of available financial and loan products, processing procedures, and underwriting guidelines.

What This Job Offers

• Job Type: Full-time
• Education Level: No Education Listed