[Hiring] Commercial Credit Analyst @1ST MIDAMERICA CREDIT

Role Description

We are seeking a Commercial Credit Analyst to complete analytical tasks associated with underwriting and monitoring the organization’s Commercial Loan Portfolio.

• Spreads and analyzes business and personal financial statements and tax returns, accounts receivable and payable aging, inventory reports, and third-party appraisal reports.
• Determines cash flow using appropriate software and cash flow models.
• Analyzes financial conditions, industries, and trends.
• Conducts credit investigations and analyzes credit information pertaining to loans.
• Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
• Completes annual loan reviews, risk grades, and problem loan reports.
• Collects financial information and performs covenant monitoring and testing.
• Ensures that all credit files include proper documentation including current financial statements and agency reports.
• Reviews and reports non-compliance with loan covenants.
• Conducts industry research and assists with special projects as assigned.

Qualifications

• High school diploma or equivalent.
• Three to five years of similar or related experience.
• Bachelor’s degree or achievement of formal certifications recognized in the industry equivalent to a bachelor’s degree.
• Exceptional customer service skills required.
• Strong communication skills and attention to detail.

Requirements

• Must be able to work and travel to different credit union locations as determined by management.

Benefits

• Competitive salary and benefits.
• Opportunities for career growth.
• Supportive team environment.

Company Description

1st MidAmerica is a trusted financial institution dedicated to providing exceptional service to our members. We pride ourselves on our commitment to the communities we serve and our focus on delivering an array of financial products for each step in their financial journey.