POSITION SUMMARY: Responsible for completing the credit analysis and presentation functions to assist relationship managers in the credit approval and review processes. To assess credit worthiness and appropriate risk rating level of new loan requests and ongoing loan portfolio relationships. This position will handle both commercial and agricultural related credits.

PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES:

SECONDARY RESPONSIBILITIES AND ACCOUNTABILITIES:

ROLE QUALIFICATIONS:

Education

• Bachelor’s degree in Business Finance or Accounting related studies is preferred

Experience

• Commercial or agricultural analysis background desired

Other Skills and Abilities

• Working knowledge of financial accounting with the ability to spread and analyze financial statements, cash flows and tax returns from companies (including farms and agricultural related) and individuals with moderate to complex structures to determine debt serviceability and credit worthiness.
• Understanding of company formation structures with ability to identify borrowing and guaranty structures.
• Understanding of loan structures including commercial, agricultural, commercial/agri real estate, consumer and residential mortgage.
• Knowledge of how credit requests affect other bank departments, such as Loan Processing and Credit Administration.
• Knowledge of credit investigations for companies and individuals including credit bureau reports, UCC filings, tax liens and other search tools.
• Solid understanding of market dynamics and economics.
• Ability to deal with customers and employees with tact, diplomacy and confidentiality.
• Well organized with a strong attention to detail.
• Strong communication skills, both written and verbal.
• Proficient in software, Word, Excel, spreadsheet software and use of a financial calculator with strong math proficiency.
• Knowledge of the Jack Henry core system and SageWorks analysis software is a plus.
• Internal / External human relations skills.
• Ability and willingness to be a team player.
• Ability to work independently.
• Self-starter.
• Knowledge of Bank regulatory procedures and regulations.
• Sound judgment and decision-making abilities.

PERFORMANCE MEASURES:

• Compliance with regulatory requirements
• Successfully direct workflow in the department to utilize staff efficiently and ensure minimal backups of work

WORKING CONDITIONS:

• Work is performed largely within the Bank with limited chance for personal injury. Prolonged and frequent mental and visual concentration required. Periodic stressful situations in response to multiple priorities within established deadlines. Work hours are generally during normal business hours. Unscheduled evening and weekend work may be needed to meet the needs of customers and employees.
• Occasional travel between offices and out-of-town/overnight business travel may be required.
• Must be able to lift and move up to 20 pounds of office supplies and equipment. Some bending, turning, and twisting required.

GENERAL NOTICE:

This position description describes the general nature and level of work performed by the employee assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability.

This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.