Senior Credit Analyst

CCFBank; Eau Claire (WI); On-site; USD 85,000 - 110,000; Full time

Benefits offered by this job

Health Plans

401K Retirement Plan

Paid Time Off

Job summary

CCFBank seeks a Senior Credit Analyst to support its commercial and agricultural lending teams. The role emphasizes financial analysis, credit structuring, and portfolio management with opportunities to influence lending decisions and mentor junior staff.

Situated on-site at the Corporate Center in Eau Claire, WI, the position involves collaborating with bankers, processing credits, and contributing to risk management and policy improvements while ensuring compliance with banking regulations.

Qualifications

• Bachelor’s degree in accounting, finance, or related field.
• Five years of lending experience may substitute for the degree.
• Three years of credit analyst experience required.

Responsibilities

• Assess financial condition and risk of financing requests.
• Gather data from customers and sources.
• Prepare financial analyses and cash flow models.
• Support loan processing and servicing with other departments.
• Participate in loan committee meetings and policy discussions.
• Mentor Credit Analysts and Interns.

Skills

Financial analysis

Credit structuring

Portfolio management

Data gathering

Communication with bankers

Education

Bachelor's degree in accounting/finance

Tools

Credit analysis software

Job description

Description

Are you an experienced credit professional with a passion for financial analysis and risk management? CCFBank is seeking a Senior Credit Analyst to play a key role in supporting our commercial and agricultural lending teams. This position combines detailed financial analysis, credit structuring, and portfolio management with opportunities to influence lending decisions, mentor developing analysts, and contribute to the Bank's continued growth and success.

This position will be located on-site at our Corporate Center in Eau Claire, WI.

Primary Responsibilities

• Performs pre-qualification assessment and analyzes financial condition and risk of financing requests in alignment with the Bank’s 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 and 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.
• Communicates with Ag/Commercial Bankers when working credits, spreads, and ticklers.
• Works in conjunction with other departments to process and service loans.
• Performs site visits and/or customer meetings with bankers.
• Updates and corresponds with special assets department on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken. Performs and helps complete problem loan action reports.
• Participates in loan committee meetings and other credit administration meetings, provides recommendations for changes to loan policy, and engages commercial bankers and commercial support teams for process change recommendation.
• Prepares reports and analyzes commercial and agriculture loan portfolio.
• Assists with training and mentoring of Credit Analysts and Credit Analyst Interns.
• Develops knowledge of financial industry, economy, market conditions, rates, vendors and competition.
• Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business.
• 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.
• 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 other duties as assigned.

Education And Experience

• Bachelor’s degree in accounting, finance, or related field.
• Note: Five (5) years of directly related experience in lending may be considered in lieu of the Bachelor’s degree.
• Three (3) years of credit analyst experience.
• In evaluating candidates for this position, CCFBank may consider a combination of education, training, and experience which provides the necessary knowledge, skills, and abilities to perform the duties of this position.

What’s in it for you?

• Full Time, 40 hours per week.
• Monday – Friday work week.
• Competitive Pay.
• Eligible for an annual bonus based on company goals and performance.

Perks

• Health, Vision & Dental Plans
• Health Savings Account (HSA) with CCF Contributions
• Employer Paid Life Insurance and Long Term Disability Plans
• Voluntary Life Insurance and Short Term Disability Plans
• Accident, Critical Illness, and Hospital Indemnity Plans
• Benefits Care Advocate
• Flexible Spending Account
• Health Reimbursement Arrangement (HRA)
• 401K Retirement Plan and Company Match
• Paid Time Off and Paid Holidays
• Time Off for Bereavement Leave, Parental Leave, and Voting
• Paid Time Off Donation
• Paid Time Off Cash Out
• Company-Wide Wellness Program
• Employee Assistance Program (EAP)
• Colleague Referral Program
• Education Reimbursement Program
• Career Planning
• Remote Work Arrangements
• Colleague Pricing on Secondary Market Mortgage Loans
• Colleague Beyond Save & Spend Accounts Perks
• Discount Program

What can you expect from us?

At CCFBank you are more than just a number, you are a partner to our team. We are dedicated to investing in our colleagues and providing them with tools they need to grow and develop their careers.

We prioritize the needs of our community by allocating resources and encouraging colleague involvement across the regions we operate in. We are proud to be a part of our local communities, and we look forward to continuing to support and serve them.

Learn more here about how we make more possible: https://ccf.us/careers/

CCFBank is committed to fostering and cultivating an inclusive and diverse culture and we are proud to be an Equal Opportunity Employer, including disability and veterans.