Credit Portfolio Analyst

First Mid Bank & Trust•Mattoon, IL

6h•Onsite

About The Position

Responsible for completion of financial analyses for commercial and ag loan relationships and activities related to the oversight and monitoring of the commercial loan portfolio.

Requirements

Bachelor’s degree in Accounting, Finance, or Business Administration and/or commensurate banking experience.
Proficient in Microsoft Office
Detail oriented
Strong communication skills
Analytical in nature
Possess stronger than average time management, organization, and multi-tasking skills
Business writing skills
Comfortable in a team environment working with deadlines.

Nice To Haves

Formal training in Microsoft Excel preferred

Responsibilities

Perform financial statement reviews on existing and prospective commercial and ag loan relationships.
Monitors adherence to lending policies for existing and prospective relationships.
Create professional financial analysis presentations for review by lending personnel and makes risk grade recommendations.
Compiles data to complete industry and peer financial analyses.
Perform financial statement reviews on existing and potential Bank vendors.
Calculate and analyze financial ratios to monitor borrower compliance with business loan agreements.
Calculate and analyze borrowing base advancement and line of credit availability to monitor the borrower’s compliance with business loan agreements based upon the borrower provided financials.
Ensure procedures for out of compliance covenants and borrowing bases are followed according to Policy.
Provide reports to Loan Administration Committee on a monthly and quarterly basis.
Complete training associated with job function.
Other duties and special projects as assigned.