Credit Analyst - Full Time (40 Hrs/Wk)

IncredibleBank; Town of Middleton (WI); Presencial; USD 60 000 - 90 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

30+ days off per year

Great Place to Work recognition

Resumo da oferta

IncredibleBank is seeking a credit professional to develop commercial credit analysis and underwriting skills while supporting consumer and commercial lending decisions. You will evaluate borrower's financials, cash flow, collateral, and industry trends to assess creditworthiness and prepare documentation for approval.

The role includes underwriting basic commercial and consumer requests, loan renewals, and annual reviews within established guidelines, with travel as needed and a typical 40-hour

Qualificações

• Bachelor's degree in Finance, Accounting, Business or related field.
• Ability to create, review, and maintain spreadsheets, financial analyses, credit memoranda, and reports.
• Basic understanding of financial statements/accounting principles.
• Ability to learn and effectively utilize financial spreading, credit underwriting, loan origination, and banking systems.
• Strong data management, organization, and reporting skills with attention to accuracy and detail.
• Ability to communicate with internal and external customers professionally.
• High degree of resourcefulness and adaptability.
• Strong analytical and problem-solving skills.
• Ability to manage multiple priorities and deadlines.

Responsabilidades

• Underwrite basic commercial credit requests within guidelines.
• Perform financial spreading and analysis of borrower financial statements and tax returns.
• Analyze loan requests, renewals, modifications, and annual reviews for creditworthiness.
• Evaluate financial statements, tax returns, cash flow, collateral, and repayment sources.
• Prepare loan presentation packages and supporting credit documentation for review and approval.
• Evaluate collateral, guarantor strength, loan structure, and monitoring recommendations.
• Develop underwriting recommendations for review by senior staff.
• Conduct industry, market, and economic research affecting borrower performance.
• Monitor credit relationships for changes and risk indicators.

Conhecimentos

Financial analysis

Credit underwriting

Data management

Communication

Formação académica

Bachelor's degree in Finance/Accounting/Business

Descrição da oferta de emprego

We know what you're thinking. "What kind of name is IncredibleBank?"

Well, we're glad you asked.

With a name like IncredibleBank, we have a lot to live up to. Our name is a promise we make every day to our customers and to our team members (and hey, that could be you!). A promise that we strive to be incredible in everything we do. A promise that will help our customers, fellow team members, and our communities to do the incredible.

At IncredibleBank, we're all about ICE. What's ICE? ICE stands for Incredible Customer ExperienceTM (that's right - an experience so good and so important we trademarked it). ICE illustrates the core values that drive everything we do - how we conduct business, how we treat each other, and how we continuously strive to build on our model of customer-focused banking. Our core values have been in place for more than 50 years and continue to influence every aspect of our operation today.

So - how canyouhelp us live up to our name?

About the Role:

We are eager to discuss the prospect of you joining our team as our next incredible team member!

This position is responsible for developing commercial credit analysis and underwriting skills while supporting the evaluation of consumer and commercial lending relationships. Under policy guidelines, the position analyzes borrower financial information, cash flow, collateral, industry trends, market conditions, and other risk factors to assess creditworthiness and support sound lending decisions. The role performs credit analysis and underwriting for basic commercial and consumer credit requests, loan renewals, and annual reviews, while developing a foundational understanding of commercial underwriting principles, practices, and procedures. Through the application of financial analysis, accounting principles, and credit risk concepts, the incumbent evaluates the degree of risk associated with lending opportunities and assists in developing underwriting recommendations, including risk ratings, covenant structures, and monitoring requirements. Duties and responsibilities may include:

• Underwrite basic commercial credit requests and smaller new money lending opportunities within established authority and department guidelines.
• Perform financial spreading and analysis of borrower financial statements and tax returns to support underwriting and credit decisions.
• Analyze commercial and consumer loan requests, renewals, modifications, and annual reviews to assess creditworthiness and provide information that supports sound lending decisions.
• Analyze financial statements, tax returns, cash flow, collateral, guarantor support, and repayment sources to evaluate borrower capacity, identify potential risks, and determine the strength of repayment prospects.
• Prepare loan presentation packages and supporting credit documentation for review and approval by senior analysts, management, and loan committees.
• Evaluate collateral support, guarantor strength, loan structure, and borrower performance to assist in developing risk rating, covenant, and monitoring recommendations that support effective risk management.
• Develop and present underwriting recommendations for review by senior credit personnel and designated approvers.
• Conduct industry, market, and economic research to understand external conditions that may impact borrower performance, cash flow, and long- term viability.
• Monitor assigned credit relationships for changes in financial condition, covenant compliance, collateral values, and other risk indicators to identify emerging concerns and support proactive portfolio management.
• Collaborate with lenders and relationship managers to gather information, evaluate financing alternatives, and support credit structures that appropriately balance customer needs and risk.

This is a regular full-time, salaried exempt position, averaging approximately 40 hours/week. Schedule may vary between the hours of 8:00 am to 5:30 pm CDT Monday through Friday.

This position will work on-site at our IncredibleBank branch location in Middleton, WI. Intermittent travel may be required based on business and/or customer needs.

About You:

You do what is right over what is easy. You don’t settle for good enough. You’re driven to learn and grow. You recognize your impact on the customer experience, regardless of your role.

Those attributes are just a few things our incredible employees have in common.

And, we’d be so excited to learn a little more about you and discuss your interest in joining our team! Our recommended and preferred qualifications are:

• Bachelors degree in Finance, Accounting, Business or related field and 0-2 years relevant commercial credit/lending experience, or equivalent combination of education and experience.
• Ability to create, review, and maintain spreadsheets, financial analyses, credit memoranda, and reports.
• Basic understanding of financial statements/accounting principles
• Ability to learn and effectively utilize financial spreading, credit underwriting, loan origination, and other banking systems.
• Strong data management, organization, and reporting skills with attention to accuracy and detail.
• Ability to communicate with internal and external customers in a professional manner.
• A high degree of resourcefulness and adaptability.
• Strong analytical and problem-solving skills
• Ability to manage multiple priorities and deadlines

About Our Benefits and Compensation:

Our promise of ICE extends to our employees as well. Our employees are our greatest asset, and we strive to show our appreciation by offering top-tier benefits and, dare we say, more than competitive compensation that we’re willing to discuss up front.

And we are constantly evaluating and improving our benefits. In fact, eligible employees receive over 30 days off per calendar year! That includes 18 days of PTO to begin, PLUS an Anniversary Holiday, Birthday Holiday, Wellness Holiday, and 12 observed Bank Holidays.

IncredibleBank first started in 1967 as River Valley Bank with a single location in Rothschild, WI. And we may have strong roots in community banking, but IncredibleBank wasn’t awarded as one of America’s Most Innovative Banks by the Independent Community Bankers of America for our popcorn Fridays. Though we do love free popcorn...

We strive to stay on the leading edge of banking technology with the goal providing the best, simplest way for our customers across the country to do their banking. But if our customers need us, they can pick up the phone and talk to a real person. And that’s what makes us America’s first national online community bank. And who doesn’t love the idea of a national community?

Today, IncredibleBank is a $2.0 billion-asset institution that has grown to 17 brick-and-mortar locations with customers in all 50 states. But we know that as an employer, it’s less about size than it is about culture. That’s why we’re especially proud to have been certified as a Great Place to Work.