Credit Analyst

POSITION SUMMARY: Prepare and analyze financial statement spreads and loan presentations. Evaluate the financial condition of individuals and businesses applying for credit with the financial institution.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

· Prepare and analyze financial spreads using the bank’s software in a timely and accurate manner.

· 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.

· 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 the loan department and bank in achieving its goals for profit, growth, and loan quality.

· Assist other Credit Department personnel as requested.

· Participate in community activities to increase the bank’s visibility and to enhance new business opportunities. Participate in bank-sponsored events as outlined in the financial institution’s “Community Events Program”.

· Perform additional duties as they become assigned or apparent

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.

· Ability to work in an environment with sensitive information, maintaining a high level of confidentiality at all times.

· Proven record of problem-solving skills.

· Ability to travel as needed for job related education, workshops, and conferences.

QUALIFICATIONS

Education: Bachelor’s degree in accounting, financial management, business administration, agricultural business, or a related field is preferred. Or an AA degree and 1 year related work experience.

Experience: 6 month’s lending or credit analyst experience preferred.

Statements included on this job description are intended to describe the general nature and level of work performed by the employee(s) assigned to this job. The statements should not be construed as an exhaustive list of responsibilities, duties, and skills required. Accommodations will be made to allow for meeting the above requirements when it does not place “undue hardship” on First Security Bank & Trust.

Job Type: Full-time

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Flexible schedule
• Health insurance
• Paid time off
• Vision insurance

Physical setting:

• Office

Schedule:

• 8 hour shift

Ability to commute/relocate:

• Charles City, IA 50616: Reliably commute or planning to relocate before starting work (Required)

Work Location: One location