Credit Analyst: Analyze Risk & Drive Lending Decisions

CCFBank

Eau Claire (WI)

On-site

USD 50,000 - 75,000

Full time

14 days+

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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.