Credit Analyst- Sioux Falls (Full Time)
About The Position
CorTrust Bank is seeking a Full-Time Credit Analyst in our Sioux Falls community! It's more than just a job! When you join one of the region's leading community banks, you can expect a family atmosphere committed to building outstanding teams. We believe in the overall well-being of our employees and work hard to provide the best opportunities for growth. The Credit Analyst supports our lending operations by working with a diversified portfolio of loan types and loan requests for current and potential borrowers. They gather and analyze financial data to determine the advisability of granting credit.
Requirements
- Knowledge of Federal banking regulations and industry workflow is required.
- Experience in analyzing financial statements and/or tax returns is a plus.
- The ideal candidate for Credit Analyst possesses a combination of education and experience to be able to perform the primary duties of this position with little supervision, managing multiple projects simultaneously.
- They adapt easily to system, process, product, and service changes, and are able to reason, problem solve and think critically.
- They must demonstrate a high level of integrity, personal diplomacy, and respect.
Nice To Haves
- A degree in finance or accounting is preferred, but not required.
Responsibilities
- Analyze current, historical, and projected financial trends and repayment capacity for a variety of operating companies.
- Research and assess credit risk factors.
- Recommend loan structure, pricing, and additional credit facilities available for upsell to the lender.
- Develop alternative solutions to complex credit portfolios.
- Prepare, spread, and analyze tax returns and a variety of financial statements.
- Adhere to all CorTrust policies and handbooks, complete required security and regulatory training, and maintain customer privacy and confidentiality.
- Partner with the Credit Analyst Manager to prepare and present content and analysis to Loan Officers and Loan Committee for use in loan decisioning.
- Maintain a strong understanding of financial services and industry workflows to mitigate risks and achieve results.
- Communicate clearly and informatively across a diverse audience and present numerical data effectively and informatively.
- Responds positively to other duties as assigned.
Benefits
- 401k with employer match
- Employee Stock Ownership Plan
- insurance coverage options
- paid time off
- service awards
- community service opportunities
- Employee Assistance Program
- a stable work environment
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
