Credit Analyst

Dieterich Bank; Effingham (IL); On-site; USD 70,000 - 90,000; Full time

Benefits offered by this job

Group Health Insurance

Group Dental & Vision Insurance

Life, AD&D & LTD Insurance

401(k) Plan - Employer matching avail­

Employee Assistance Program+

Discretionary Profit Sharing Plan

Discretionary Bonus Plan

Profit Sharing Plan

Paid Time Off (Holidays, sick time, 1)

8 hours of paid time volunteer with a

Job summary

Dieterich Bank is seeking a Credit Analyst to join our Corporate Center in Effingham, IL. The role analyzes and monitors creditworthiness of existing and prospective commercial borrowers, typically with exposures above $1,000,000, and underwrites loan opportunities to support sound lending decisions.

You will determine risk, assist the loan officers and Directors' Loan Committee, and exercise discretion and independent judgment in reference to credit matters.

Qualifications

• Bachelor's degree in finance, accounting, or related field.
• 3-5 years of experience as a credit analyst or similar.
• Strong analytical, deductive reasoning, and decision-making abilities.
• Ability to meet deadlines and manage time; strong written and verbal communication.
• Experience analyzing financial statements and tax returns.
• Uphold integrity, value, service excellence, and teamwork.

Responsibilities

• Underwrite and analyze creditworthiness of commercial borrowers exceeding $1,000,000.
• Assess risk and support loan officers and Directors' Loan Committee in loan decisions.
• Exercise discretion and independent judgment on credit and lending matters.

Skills

Analytical skills

Deductive reasoning

Decision making

Time management

Communication skills

Financial statement analysis

Tax return analysis

Education

Bachelor's degree in finance, accounting, or related field

Job description

Dieterich Bank is looking for a Credit Analyst to join our team at our Corporate Center in Effingham, IL.

Credit Analysts are responsible for analyzing and monitoring creditworthiness of existing and potential customers. A main aspect of this position is performing underwriting and analysis for prospective or existing commercial borrowers whose exposure is typically in excess of $1,000,000. The Credit Analyst determines the level of risk and assists the loan officers and Directors' Loan Committee in deciding if a loan or line of credit will be granted. This position's primary duty consists of the exercise of discretion and independent judgment with matters of significance in reference to credit and lending.

Qualifications:

• Bachelor's degree in finance, accounting, or related field
• 3-5 years of experience working in a position similar to that of a credit analyst
• Great analyzing, deductive reasoning, and decision-making skills
• Ability to meet deadlines, have time management, and communicate effectively (both verbal and written)
• Understanding and experience analyzing with financial statement and tax returns
• Must demonstrate our core values of Integrity, Value, Service Excellence, & Teamwork.

About us:

Dieterich Bank has approximately $1.5 billion in assets with 16 locations in South Central Illinois and the Metro East region, as well as a loan production office in South County, St. Louis. Dieterich Bank is honored to be one the best places to work in Illinois voted eight years in a row. We realize that you're not just looking for a job, but more specifically, a job you feel good about. We understand we all have commitments outside of work and Dieterich Bank makes it a priority to provide a fun, family-friendly, work-life integration environment to our employees.

Perks of the job:

• Group Health Insurance
• Group Dental & Vision Insurance
• Life, AD&D & LTD Insurance
• 401(k) Plan - Employer matching available
• Employee Assistance Program+
• Discretionary Profit Sharing Plan
• Discretionary Bonus Plan
• Profit Sharing Plan
• Paid Time Off (Holidays, sick time, personal time, and vacation)
• 8 hours of paid time volunteer with a charity of their choice.

Work Schedule:

This position will be based in an office setting at our Corporate Center in Effingham, IL and typically requires 40 hours each week with work typically being competed between 8 a.m. and 5p.m. Evenings and weekends may be necessary to fit customers' needs and/or complete work. Travel to meet with clients at their convenience and location will be necessary.

Dieterich Bank is an EEO/AA/Vet/Disability Employer.