Credit Analyst: Loan Risk & Portfolio Support

Ohnward Bancshares; Marion (IA); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Health Insurance

Dental Insurance

401k - Safe Harbor

Paid Holidays

Paid Time Off

Group Life Insurance

Short/Long Term Disability

Maternity/Paternity Leave

Community Involvement

Job summary

Ohnward Bancshares seeks a Credit Analyst to assess creditworthiness for loan applicants and assist lenders in managing their portfolios. The role involves analyzing financial data, preparing formal loan proposals, and ensuring compliance with policies and regulations.

Responsibilities include supporting lenders with financial statement spreading, compiling loan documents, and participating in loan committee discussions to optimize risk management and credit quality.

Qualifications

• Associate degree or 2-4 years related experience required.
• Strong analytical and financial statement interpretation abilities.
• Excellent communication and interpersonal skills, with detail orientation.

Responsibilities

• Support loan lenders and officers with financial statement spreading and analysis.
• Prepare loan documents and formal proposals and risk ratings.
• Monitor and support portfolio through ongoing financial statement reviews.
• Ensure compliance with applicable laws, policies and procedures.
• Assist in collecting information from clients for underwriting.
• Handle loan documentation and participate in loan committee discussions.
• Monitor credits to ensure risk ratings align with credit quality.

Skills

Financial analysis

Credit assessment

Communication skills

Interpersonal skills

Time management

Attention to detail

Education

Associate Degree in Business Administration, Accounting, Finance or related field

2-4 years experience or training

Tools

Banking software/Applications

Job description

Ohnward Bancshares seeks a Credit Analyst to assess creditworthiness for loan applicants and assist lenders in managing their portfolios. The role involves analyzing financial data, preparing formal loan proposals, and ensuring compliance with policies and regulations.

Responsibilities include supporting lenders with financial statement spreading, compiling loan documents, and participating in loan committee discussions to optimize risk management and credit quality.