Credit Analyst

Citizens First Bank; Viroqua (WI); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Competitive wage with discretionary YE

3% safe harbor contribution to 401k

Discretionary profit share CD

Fully comprehensive benefits package

Free Neighborhood Family Clinic access

Family-oriented culture and teams

Community involvement and Volunteer PT

Bank-sponsored get-togethers outside

All-staff training and celebration

Free coffee

Job summary

Citizens First Bank in Viroqua is seeking a Credit Analyst to join our team. You will evaluate credit risk, analyze financial statements, prepare credit presentations, and assist with annual reviews to ensure compliance across our loan portfolio.

The ideal candidate has a bachelor's degree (or equivalent) and at least 2 years of credit analysis experience, with strong problem-solving and clear communication. Confidentiality and accuracy are essential in this role.

Qualifications

• Bachelor's degree or equivalent required.
• Minimum 2 years of credit analysis experience.
• Strong problem-solving and clear communication.
• Commitment to confidentiality and accuracy.

Responsibilities

• Perform credit analysis and review financial statements for mortgage and commercial relationships to support loan decisions.
• Prepare credit presentations for new and existing relationships requiring Loan Committee approval.
• Complete annual reviews including financial analysis, collateral evaluation, payment history, risk rating, and industry/economic changes.
• Support loan compliance by monitoring documentation standards and maintaining accurate files.
• Stay informed on bank policies and communicate standards clearly to lenders.
• Contribute to annual updates of loan policy for commercial and mortgage areas.
• Other duties as assigned.

Skills

Credit analysis

Financial statement analysis

Communication skills

Confidentiality

Education

Bachelor's degree or equivalent

Job description

We're looking for a Credit Analyst to join our team in Viroqua! In this role, you'll play an important part in evaluating credit risk and supporting sound lending decisions. You'll analyze financial information, prepare credit presentations, and assist with annual reviews to ensure compliance and accuracy across our loan portfolio.

What You'll Do Every Day

• Perform credit analysis and review financial statements for mortgage and commercial relationships to support loan decisions and minimize risk. Summarize findings for lenders.
• Prepare credit presentations for new and existing relationships requiring Loan Committee approval. Complete financial analysis, gather borrower info, and present when lenders are absent. Identify cross-selling opportunities.
• Complete annual reviews, including financial analysis, collateral evaluation, payment history, risk rating, and industry/economic changes.
• Support loan compliance by monitoring documentation standards, notifying lenders of exceptions, and maintaining accurate files.
• Stay informed on Bank policies and regulations. Communicate standards clearly to lenders.
• Contribute to annual updates of loan policy for commercial and mortgage areas based on trends and needed clarifications.
• Other duties as assigned.

What We're Looking For

• A bachelor's degree (or equivalent experience).
• At least 2 years of credit analysis experience.
• Strong problem-solving skills and a knack for clear communication.
• A commitment to confidentiality and accuracy.

Why You'll Love It Here

• Competitive wage with discretionary year-end bonuses
• 3% safe harbor contribution to 401k
• Discretionary profit share CD contribution towards retirement
• Fully comprehensive benefits package
• Free Neighborhood Family Clinic access for you and your dependents
• Family-oriented culture and teams
• Community involvement and Volunteer PTO
• Bank-sponsored get-togethers outside of work
• All-staff training and celebration days
• Free coffee
• And so much more!