Credit Analyst II

AVAILA BANK; Ankeny (IA); On-site; USD 60,000 - 80,000; Full time

Benefits offered by this job

Medical, Dental & Vision Plans

Health Savings Account (HSA)

Life Insurance (Company paid for employee)

401K and Employee Stock Ownership Plan (ESOP)

Company Paid Short & Long Term Disability Insurance

Flexible Spending Account (FSA) & Dependent Care

Tuition Assistance and Discounts

Employee Assistance Program (EAP)

Job summary

Availa Bank is seeking a Credit Analyst II to develop and analyze credit information, prepare loan packages, and evaluate risks associated with lending. The ideal candidate will have a Bachelor's degree in Finance or Business Administration and a minimum of 3 years of relevant experience. Join a team that values individual differences and empowers employees to inspire clients towards financial success.

Qualifications

• Minimum 3 years of credit analyst and/or lending experience.
• Minimum one year underwriting experience.

Responsibilities

• Prepare complete loan packages for mid to large size loans.
• Evaluate risks associated with loan applications.
• Attend loan committee meetings to present loan requests.

Skills

Risk Management

Analytical Skills

Communication Skills

Organizational Skills

Math Skills

Education

Bachelor's degree in Finance/Business Administration

Job description

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EEO employer

Availa Bank believes our people make a difference and we recognize that individual differences and experiences strengthen our teams. Each member of our team is empowered to inspire and enable our clients and the communities we serve to achieve financial success. Click the Apply link to find out more.

This is not a remote position.

Credit Analyst II Position Summary

The Credit Analyst II develops and analyzes all types of credit information. This position independently prepares complete loan packages for mid to large size loans, completes all documents (including projections), prepares analyses, and makes the appropriate recommendations. The Credit Analyst II also assists with the preparation of larger and more complex loan packages along with assisting Loan Officers or Senior Credit Analysts as requested.

Benefits

Availa Bank offers a rich selection of benefits you can personalize to support you and your family's needs. Benefits may include:

• Medical, Dental & Vision Plans
• Option for Health Savings Account (HSA)
• Life Insurance (Company paid for employee)
• 401K and Employee Stock Ownership Plan (ESOP)
• Company Paid Short & Long Term Disability Insurance
• Flexible Spending Account (FSA) & Dependent Care
• Eligibility for Tuition Assistance and Discounts
• Employee Assistance Program (EAP)

Essential Duties and Accountabilities

• Assist loan officers in the approval of credit and ensure proper risk rating per bank policy.
• Make recommendations as to the inherent risks of extending credit to each customer.
• Evaluate risks associated with loan applications.
• Analyze financial information, such as statements, management accounts, and cash flow statements.
• Develop models of credit information to predict patterns and trends.
• Maintain credit financials for proper documentation and to ensure closed files are pulled, stored, and/or destroyed per policy.
• Prepare written analyses including credit investigation of borrower and guarantors; economic and market conditions; in-depth financial analysis with communication with borrower's accountant; financial projections; analysis of secondary sources of repayment; and guarantor's financial position.
• Attend loan committee meetings and present loan requests as needed.
• Participate in customer meetings as requested.
• Maintain loan files for proper documentation.

Requirements

Qualifications for Credit Analyst II Role:

• Bachelor's degree in Finance/Business Administration or related field preferred, or equivalent work experience.
• Minimum 3 years of credit analyst and/or lending experience.
• Minimum one year underwriting experience.

Skills and Abilities:

• Strong background or ability to learn principles in risk management.
• Strong math skills.
• Exceptional analytical, communication, and interpersonal skills.
• Excellent organizational and time management skills in a fast-paced environment.