~Credit Review Analyst Is responsible for detailed analysis of various pieces of information for credit worthiness, completeness of loan documentation and legal compliance. Analysis of agricultural type credits consists primarily of noting crop and cattle values and related expenses; then determining how these factors affect the overall financial picture. Analysis of commercial and small business credits is more cash flow and ratio oriented.
Responsibilities and Duties:
1. Analyze financial statements, tax returns, cash flow and other related documents to assess credit worthiness and degree of risk involved in advancing credit.
2. Analyze certain compliance with established loan policies, procedures, laws and banking regulations and make certain appropriate loan documentation is completed. Employee is responsible for being aware of and complying with bank policies and procedures to detect and prevent money laundering; knowledge and application of Bank Secrecy Act regulation. Is responsible to know the requirements of all such laws and regulations affecting these job duties, along with the duty to carry out these responsibilities at all times in a manner that complies with the requirements of all such applicable laws and regulations.
3. Conduct loan reviews consistent with management objectives and report the results of credit review activities to individual lending officers and management. A quarterly report is made to the Board of Directors of reviews completed.
4. Assist loan officers in evaluating loan requests and evaluating current loans to identify actual and potential loan problems at the earliest possible time.
5. Assists loan officers with loan presentation research and analysis.
6. Serves as a member of the loan committee, responsible for setting up the computer in the Board Room and loading all reports and presentations on the agenda. Responsible for running the computer screen during the meeting. Also responsible for compiling the minutes of the meeting and placing in the Shared Folder in GroupWise.
7. Performs related duties as assigned by supervisor or as circumstances dictate. (FHLB loan tracking)
8. Responsible for updating the Classified Asset Report on a monthly basis.
9. Report exceptions to policy to the Board of Directors that are presented during loan committee for approval.
Major(s) Interviewing:
Accounting, Finance, Agri-Business
Requirements:
View qualifications through your Careers for Tigers account.
