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ESSENTIAL DUTIES AND RESPONSIBILITIES:
- Serve as a team member who stabilizes our ability to grow by having a demonstrated knowledge of full financial analysis of ag and commercial credits.
- Assist the loan department and bank in achieving its goals for profit, growth, and loan quality.
- Work with lenders and Relationship Managers to collect the necessary documents in order to make accurate credit reviews.
- Prepare and analyze financial spreads using the bank’s software in a timely and accurate manner for loans requests of any relationship/size; including the largest and most complex lines and those with unusual structures or industries.
- Responsible for performing timely loan review and bringing issues of concern forward to the attention of the Chief Credit Officer or Credit Administration Supervisor as loan grades are assigned.
- Develop material for and assist with or make loan presentations to Loan Committee when requested. Serve as a non-voting participant of the Loan Committee.
- Perform collateral analysis on impaired loans.
- Assist Chief Credit Officer with preparation of monthly reports for credit committee, as well as the Board of Directors.
- Assist Chief Credit Officer with work out situations on troubled credits.
- Assist Ag/Commercial Lenders in monitoring credit portfolios.
- Monitor both purchased and sold participations for interim and other documentation that is required per loan agreements and participation agreements.
- Assist other Loan Department personnel as requested.
- Provide training and education to other credit analysts, lending staff, and new employees as appropriate.
- Assist the Credit Administration Supervisor with reviewing the work of other Credit Analysts.
- Participate in community activities to increase the bank’s visibility and to enhance new business opportunities. Participate in bank-sponsored events as outlined in financial institution’s “Community Events Program”.
- Perform other duties as assigned.
DESIRED KNOWLEDGE, SKILLS, & ABILITIES:
- Excellent analytical skills, including the ability to define problems, collect data, establish facts, and draw valid conclusions.
- Excellent communication skills. Ability to interact comfortably with internal and external customers.
- Strong computer skills utilizing Excel, Word, and other industry specific software, with potential to serve as a program expert.
- Ability to work in an environment with sensitive information, always maintaining a high level of confidentiality.
- Proven record of critical thinking skills.
- Ability to travel as needed for job related education, workshops, and conferences.
QUALIFICATIONS:
Education: Bachelor’s degree in accounting, financial management, business administration or related field.
Experience: 3 years credit analyst, lending, or comparable experience, with experience with Ag, C&I and CRE credits.
HOW TO APPLY
Join our team today and enjoy exciting opportunities for growth and career development at First Security Bank & Trust.