Credit Analyst

Lincoln, NE
01-04-2019
Lincoln - Grainger (with potential to move)
Depends on Experience 

Job Specific

  • Order and analyze lien searches, business credit reports and credit bureau reports. 
  • Prepare analysis of financial and operation trends of companies and markets.  Analyze strengths and weaknesses.
  • Work directly with Lenders, Loan Processors and Lending Assistants to prepare credit/loan presentations for new and existing relationships.  Presentations may include a complete analysis of financial statements, collateral valuations, payment history, risk rating review and any adverse industry or economic changes.  May work directly with borrower to obtain additional information.
  • Provide support to customers and Bank staff via telephone, mail, e-mail or in person.  Respond to any inquiries in a prompt manner.  Also correspond effectively with external agencies.
  • Complete annual reviews.  Develop competence in completing annual reviews on credits, including a complete analysis of annual financial statements, collateral valuation, payment history, risk rating review and any adverse industry or economic changes.
  • Monitor loan policy exceptions.  This includes loan approvals and loan to value exceptions.
  • Attend credit committee meetings and/or training.
  • Utilize bank pricing model to gage overall relationship profitability.  Assist Lenders in identifying cross-selling opportunities.
  • Maintain various databases for tracking credit related data (i.e.: financial statements, annual reviews, covenant compliance, documentation exceptions, etc.). Prepare and/or analyze any related reports as directed.  Assist other Bank staff with running and analyzing reports as requested.  Reports may include: watch list loans, problem loans, past dues, etc.
  • Prepare for audits and examinations of loan files as necessary.
  • Demonstrate proficiency at a variety of specialized lending software such as Suntel, LaserPro, etc.
  • Prepare credit reports for loan officers or committees.
  • Maintain control over the credit requirements of current accounts.
  • Provide analytical assistance to loan officers as requested and assist in determining creditworthiness for potential and current customers.
  • Review all pertinent credit and financial information of borrowers.
  • Maintain and review credit files to assure all information is current and available upon request.
  • Understand and promote government guaranteed loan programs, including those in the Small Business Administration, Farm Service Agency, and United Stated Department of Agriculture.  Work directly with Lenders, Borrowers, and employees of these agencies to gather, compile, and submit applications. 
  • All other duties as assigned.

Bank Specific

  • Exhibit professionalism, including in personal appearance and attitude.
  • Provide assistance, information and support to co-workers.
  • Provide prompt assistance and information to all consumers.
  • Regular attendance. Report to work on time; adhere to time frames for breaks and lunch.
  • Be responsible and accountable for own actions.
  • Maintain confidentiality at all times.
  • Cross-sell company services.
  • Deliver exceptional customer service.
  • Participate in appropriate training opportunities and in a timely manner.
  • Behave ethically and in a manner consistently beyond reproach.  Immediately report any suspected impropriety to Human Resources or upper level management.
  • Be alert to surroundings and familiar with all crises procedures, such as robbery and pandemic flu plans.
  • Comply with all policies, procedures and regulations.

EDUCATION AND EXPERIENCE REQUIREMENTS:

  • Bachelor’s Degree in business administration or relevant industry experience preferred. 
  • Prefer prior experience in credit analyst capacity.

KNOWLEDGE, SKILLS AND ABILITIES:

  • Working knowledge of personal computer (Microsoft Office products). 
  • Ability to use general office machines.
  • Must be attentive to detail and very accurate. 
  • Self-motivated. 
  • Ability to interact effectively with customers, management and other employees. 
  • Critical and analytical thinking skills, problem solving abilities.
  • Thorough knowledge of consumer and commercial lending policy, procedures and loan documentation requirements.
  • Thorough knowledge of Bank loan approval process, loan perfection requirements and all loan-related regulatory requirements.
  • Strong customer orientation.
  • Strong communication skills. 
  • Must be flexible, able to work under pressure to meet deadlines and prioritize work flow. 
  • Organizational skills, courtesy and diplomacy. 
  • Sound judgment. 

WORK HOURS:  Primarily Monday through Friday 8:00 am - 5:00 pm