Credit Analyst

CCFBank; Eau Claire (WI); On-site; USD 50,000 - 75,000; Full time

Benefits offered by this job

Health, Vision & Dental Plans

Health Savings Account (HSA) with CCF

401K Retirement Plan and Company Match

Paid Time Off and Paid Holidays

Employee Assistance Program (EAP)

Job summary

CCFBank in Eau Claire, Wisconsin is seeking a Credit Analyst to join our team onsite. You will analyze credit information for current and potential borrowers, assess risk, and support loan officers in preparing loan requests while maintaining strong customer relationships.

The ideal candidate collaborates across departments, communicates clearly, and stays current with industry trends. The role includes pre-qualification analysis, data gathering, cash flow reviews, and ensuring compliance with

Qualifications

• Associate’s degree in accounting, finance, or related field.
• One year credit analyst experience.
• Proficient computer skills using Microsoft Word, Microsoft Excel, PowerPoint, and Access.

Responsibilities

• Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
• Gathers data from customers, internal and external sources; prepares spreadsheets and analyzes financial information including financial statements and tax returns; obtains additional information and clarification of data.
• Compiles data from credit bureaus, conducts industry peer comparisons, and performs cash flow analyses and other such tasks and comparisons.
• Obtains sufficient information and/or documentation from banker.
• Verifies collateral and lien position
• Communicates with Ag/Commercial Bankers when working credits, spreads, and ticklers
• Works in conjunction with other departments to process and service loans
• Develops knowledge of financial industry, economy, market conditions, rates, vendors and competition.
• May represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business.
• Updates and corresponds with special assets department on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
• Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules and regulations; adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position.
• Performs annual reviews on credit portfolio to establish trends ensuring proper risk rating.
• Compile credit action presentation complete with accurate financial data and detailed narrative to aid in the credit decisioning process
• Performs other duties as assigned.

Skills

Credit analysis

Financial analysis

Data gathering

Communication

Education

Associate’s degree in accounting, finance, or related field

Tools

Microsoft Word

Microsoft Excel

PowerPoint

Access

Job description

Description

CCFBank is currently searching for a Credit Analyst to join our team! This position is onsite in Eau Claire, WI. Are you ready to provide the highest level of service to internal and external customers? As a Credit Analyst, you would be responsible for analyzing credit information for current and potential borrowers, determining the advisability of granting credit for diversified types of loans, assisting loan officers in writing loan requests, and promoting business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.

Description

CCFBank is currently searching for a Credit Analyst to join our team! This position is onsite in Eau Claire, WI. Are you ready to provide the highest level of service to internal and external customers? As a Credit Analyst, you would be responsible for analyzing credit information for current and potential borrowers, determining the advisability of granting credit for diversified types of loans, assisting loan officers in writing loan requests, and promoting business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.

The ideal candidate is a collaborator who works well in a team environment and can communicate with colleagues from various departments. Bonus points if you’re community focused and excited about making a positive difference for those around you.

This position is located in Eau Claire, WI.

Primary Responsibilities

• Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
• Gathers data from customers, internal and external sources; prepares spreadsheets and analyzes financial information including financial statements and tax returns; obtains additional information and clarification of data.
• Compiles data from credit bureaus, conducts industry peer comparisons, and performs cash flow analyses and other such tasks and comparisons.
• Obtains sufficient information and/or documentation from banker.
• Verifies collateral and lien position
• Communicates with Ag/Commercial Bankers when working credits, spreads, and ticklers
• Works in conjunction with other departments to process and service loans
• Develops knowledge of financial industry, economy, market conditions, rates, vendors and competition.
• May represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business.
• Updates and corresponds with special assets department on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
• Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules and regulations; adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position.
• Performs annual reviews on credit portfolio to establish trends ensuring proper risk rating.
• Compile credit action presentation complete with accurate financial data and detailed narrative to aid in the credit decisioning process
• Performs other duties as assigned.

Education And Experience

• Associate’s degree in accounting, finance, or related field.
• One year credit analyst experience.
• Proficient computer skills using Microsoft Word, Microsoft Excel, PowerPoint, and Access.
• In evaluating candidates for this position, CCFBank may consider a combination of education, training, and experience which provides the necessary knowledge, skills, and abilities to perform the duties of this position.

What’s in it for you?

• Full Time, 40 hours per week.
• Monday – Friday work week.
• Competitive Pay.
• Eligible for an annual bonus based on company goals and performance.

Perks

• Health, Vision & Dental Plans
• Health Savings Account (HSA) with CCF Contributions
• Employer Paid Life Insurance and Long Term Disability Plans
• Voluntary Life Insurance and Short Term Disability Plans
• Accident, Critical Illness, and Hospital Indemnity Plans
• Benefits Care Advocate
• Flexible Spending Account
• Health Reimbursement Arrangement (HRA)
• 401K Retirement Plan and Company Match
• Paid Time Off and Paid Holidays
• Time Off for Bereavement Leave, Parental Leave, and Voting
• Paid Time Off DonationPaid Time Off Cash Out
• Company-Wide Wellness Program
• Employee Assistance Program (EAP)
• Colleague Referral ProgramEducation Reimbursement Program
• Career Planning)Colleague Pricing on Secondary Market Mortgage Loans
• Colleague Beyond Save ^ Spend Accounts Perks
• Discount Program

What can you expect from us?

At CCFBank you are more than just a number, you are a partner to our team. We are dedicated to investing in our colleagues and providing them with tools they need to grow and develop their careers.

We prioritize the needs of our community by allocating resources and encouraging colleague involvement across the regions we operate in. We are proud to be a part of our local communities, and we look forward to continuing to support and serve them.

Learn more here about how we make more possible: https://ccf.us/careers/

In evaluating candidates for this position, CCFBank may consider a combination of education, training, and experience which provides the necessary knowledge, skills, and abilities to perform the duties of this position.

CCFBank is committed to fostering and cultivating an inclusive and diverse culture and we are proud to be an Equal Opportunity Employer, including disability and veterans.