What are the responsibilities and job description for the Commercial Credit Analyst position at Coulee Bank?
Description
JOB OBJECTIVES:
This Commercial Credit Analyst position is responsible for analyzing and interpreting financial data to evaluate risk and determine appropriate credit rating for new and existing business customers, creating client proposals and maintaining client files. The Commercial Credit Analyst is expected to provide technical and practical problem solving and specialized support services to bank customers and staff.
Requirements
About Coulee Bank
Coulee Bank is a family-owned community bank with a long-standing tradition of excellent service with strong roots within the communities we serve. Our mission is simple: Doing the Right Thing for Our Clients & Colleagues.
The ideal candidate can report out of any Coulee Bank location and will have a minimum of two years of commercial credit analyst experience. (Minnesota: Minnetonka, St. Paul or Rochester OR Wisconsin: La Crosse, Onalaska or Holmen)
Requirements
Build a career in the financial industry with pathways for advancements.
We recognize that our success is based on the quality and dedication of our team members. That's why we will continually invest in your growth by providing ongoing training and professional development opportunities that deepen your skills and optimize your expertise in the financial industry.
A Day in the Life of a Credit Analyst
- Provides consistent superior customer service in a friendly, efficient and accurate manner.
- Spreads financial statements and assists in the preparation of risk rating analysis of credits with guidance and assistance.
- Assists in the preparation of loan presentations for new and renewal credit requests in an accurate and timely manner. Loan presentations include summary of requests, financial analysis, collateral coverage analysis determination of risks and mitigating factors.
- Communicates with bank customers when necessary to gather information needed to underwrite credit requests.
- Accompanies loan officers on business development and client calls, on an as needed basis, to aid in meeting the Bank’s goals for loan and deposit growth on a requested basis.
- Performs appraisal reviews to substantiate and verify the value, as well as determine if the appraisal/appraiser meets USPAP requirements, in an accurate and timely manner.
- Assists in completion of regulatory reporting.
- Acts as liaison with bank regulators, bank senior management, internal and external auditors and operations on a regular basis and as assigned as it relates to the banks financials and regulatory requirements in a courteous and timely manner.
- Maintains current knowledge of federal and state regulations pertinent to this position.
- Communicates with other Bank departments to assist in answering questions and resolving issues in a friendly and timely manner.
- Ensures confidentiality of bank and customer service data.
- Maintain proficiency in using all applicable software to this position.
- Act as a project contact as requested.
- Performs other duties and responsibilities as assigned.
Qualifications
To be successful in this role, you will have a minimum of two years of commercial credit analyst experience. In addition, your written and oral communications skills are top notch and will help you to listen and identify customer’s financial needs to better support their financial growth. You are a problem-solver that is not afraid to make a decision and are able to take initiative without being asked.
Coulee Bank Perks
- Generous Compensation and Benefits Package
- Up to 4% 401K Match
- Profit Sharing
- $250 Health and Wellness Reimbursement
- $100 Coulee Clothing Attire
- Tuition reimbursement
- Paid Volunteer Time
Salary : $55,000 - $75,000