Credit Analyst I

Summary:

The Credit Analyst I is responsible for conducting credit investigations by collecting, analyzing, and interpreting data and financial information to evaluate and mitigate credit risk, as well as determining the appropriate credit risk rating on new and existing borrowers. This position collaborates and works closely with credit production and credit support to maximize borrower cash flow for United Prairie debt retirement and manages credit facilities extended to United Prairie borrowers. The role is a significant contributor for overall United Prairie risk management through credit facility monitoring.

Essential Functions:

• Responsible for the creation and accuracy of credit presentations as well as assuring risk rating classifications are factual, accurate, and consistent with United Prairie’s risk rating system.
• Review credit packages for policy and regulation compliance as well as structural soundness, credit weakness, lien searches and title work to assure appropriate equity and collateral positions; makes corrective recommendations as needed.
• Investigate all available sources of credit and financial information to include, but not limited to, credit bureaus, other companies, vendors, other United Prairie files, internet sources, social media, other banks, and overall community reputation.
• Accountable for monitoring the annual collection of required borrower financial and credit information.
• Verify the quality, completeness, and accuracy of all related credit facility documentation and assure appropriate loan covenants and terms are accurately stated in the appropriate documentation as well as verifying the appropriate perfection of collateral and United Prairie security interests.
• Prepare appraisal requests, reviews, and real estate evaluations.
• Prepare summaries, present facts, and offer professional risk-based opinions based on factual creditworthiness information as well as preparing and presenting credit risk reviews as credit conditions dictate.
• Monitor periodic inspections and credit advances pertaining to real estate construction projects.
• Ensure the creditworthiness of United Prairie’s credit portfolio, looking for changes or issues which merit a review or change in a credit facility, credit risk management practices, or adverse credit risk rating classification as well as determining the need for a more thorough credit investigation or the need for additional information to make an appropriately informed credit decision.
• Analyze economic, industry, and financial trends and market conditions.
• Act as a resource for Market Presidents, Business Bankers, Credit Support Specialists, and Credit Support Assistants on all issues related to credit risk management, and to gather information for credit presentations and files.
• Attend and complete necessary training as required throughout the year.
• Abide by all policies, procedures and regulations of United Prairie.
• Review, acknowledge and comply with all end user security requirements stated in the Information Security – End User Policy and Statement of Understanding.
• Utilize all communication tools available including, but not limited to; the company intranet, email, and instant messaging.
• Any and all other duties as assigned by your supervisor and/or management.

Supervisory Responsibilities:

This position has no supervisory responsibilities.

Work Environment:

This job operates in a clerical, office setting. This role routinely uses standard office equipment, such as computers with MS Office, phones, photo copier/fax/scanning machine.

Physical Demands:

• This position requires manual dexterity, the ability to lift files and open file cabinets. This position requires bending, stooping, or standing as necessary.
• This is a largely sedentary role.
• Ability to lift a maximum of 20 pounds.
• Multi-lingual capabilities are a plus. Read, write, speak and understand English is required.
• Accommodation may be made for the above requirements, when it does not place an undue hardship on the Company.

Travel:

• Occasional day travel may be required for training/meeting purposes.

Education:

• High school diploma or GED required
• Bachelor’s Degree in Accounting, Finance, or Business Management required

Work Experience:

• 1 or more years of related experience in a similar field or the equivalent knowledge and experience.
• Experience working in a team environment
• Computer knowledge, including of MS Office & Windows

Competencies:

• Accountability - Accepting responsibility that results in anticipation/prevention of problem areas from actions, and problem solving inside and outside the department/organization.
• Empathy - Showing interest in other people's feelings, attitudes, and reasoning.
• Planning and Organizing - Setting priorities and defining actions, time, and resources needed to achieve predefined goals.
• Quality Orientation - Setting high standards regarding his/her work and working environment and acting accordingly; developing quality standards, continuously evaluating performance, products, and procedures; actively seeking ways to improve quality.
• Written communication - Expressing ideas and opinions clearly in properly structured, well-organized, and grammatically correct reports or documents; utilizing language and terminology that is understandable for the reader.

Education

• Bachelors or better in Finance
• Bachelors or better in Economics

Skills

• Analytical
• Strong communication skills
• Decision Making
• Detail oriented
• Microsoft Excel
• Multi-tasker
• Professionalism
• Microsoft Word

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)