What are the responsibilities and job description for the Credit Analyst position at CorTrust Bank?
CORTRUST BANK
The mission of this bank is to profitably deliver high quality customer service that meets the financial needs of our community, its businesses, and its citizens. No line of financial services is beyond our charter.
CorTrust Bank is seeking a full-time (40 hours/week) Credit Analyst to support our Twin Cities market!
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. We're proud to offer a competitive compensation package that includes perks like 401k, insurance, paid time off, service awards, and community service opportunities.
As a Credit Analyst, incumbents will support CorTrust's mission and business objectives by working with a diversified portfolio of loan types and write up loan requests for current and potential borrowers. They will gather and analyze financial data to determine advisability of granting credit.
Daily duties for this position:
- Skillfully 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 up sell to the lender and develop alternative solutions to complex credit portfolios.
- Prepare, spread, and analyze tax returns and a variety of financial statements.
- Partner with Credit Analyst Manager to prepare and present content and analysis to Loan Officers and Loan Committee for use in making, reviewing, amending, renewing, and extending lending decisions.
- Complete credit analysis efficiently and accurately.
Required skills & abilities:
- Possesses combination of education and experience to perform primary duties and responsibilities of position.
- Adapts easily to system, process, product, and service changes.
- Advocates for CorTrust in the community, customer experience, and co-worker relationships.
- Ability to reason, problem solve, and think critically.
- Demonstrates high level of integrity, personal diplomacy, and respect.
- Ability to understand and abide by the Bank’s policies and procedures.
- Maintains strong understanding of financial services and industry workflow to execute CorTrust’s mission and goals, mitigate risk, and achieve results.
- Reacts well under pressure, is accountable, and follows through on commitments and decisions.
- Writes and speaks clearly and informatively and presents numerical data effectively.
- Experience in analyzing financial statements and/or tax returns preferred.
- Degree in finance or accounting preferred but not required.
We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.
