Senior Credit Analyst

German American; Jasper (IN); On-site; USD 60,000 - 95,000; Full time

Job summary

Join a forward-thinking financial services firm as a Senior Credit Analyst, where you will play a crucial role in assessing the financial health of business customers. In this dynamic position, you will analyze complex financial statements, provide insights to loan officers, and help guide lending decisions. Your expertise will be vital in maintaining strong relationships with clients and ensuring compliance with lending policies. This role not only offers the opportunity to utilize your analytical skills but also to contribute to a culture of excellence and community service. If you are passionate about finance and eager to make a difference, this is the perfect opportunity for you.

Benefits

Medical Insurance

Dental Insurance

Vision Insurance

Paid Time Off

401(k) Match

Education Assistance

Wellness Benefits

Qualifications

• 5+ years in commercial lending as a credit analyst or loan officer.
• Experience in analyzing economic trends and financial statements.

Responsibilities

• Analyze complex borrowers and complete credit applications accurately.
• Communicate financial information and ensure compliance with policies.

Skills

Data Analysis

Communication

Time Management

Coaching

Organization

Education

Bachelor's degree in Finance

Bachelor's degree in Accounting

Bachelor's degree in Economics

Tools

Microsoft Excel

Microsoft Office Suite

Job description

Job Title:

Senior Credit Analyst

Summary of Duties and Responsibilities:

As a Senior Credit Analyst, you will assist loan officers by assessing the financial condition and repayment capacity of business customers and preparing loan applications. You will analyze financial statements to evaluate the borrower's historical performance, identify strengths and weaknesses, and monitor significant changes and trends.

Primary Duties and Responsibilities:

1. Analyzing Complex Borrowers: You will analyze large, complex borrowers or industries, complete credit applications accurately, including collateral analysis, and maintain strong relationships with loan officers. You will communicate financial information, explain industry-specific complexities, share market insights, and ensure compliance with policies. You may also train team members and participate in loan committee meetings.

What it Takes:

• 5+ years in a commercial lending environment as a credit analyst, loan officer, or related role.
• Bachelor's degree in Finance, Accounting, Economics, or a related field.
• Knowledge and experience in analyzing economic trends of commercial and agricultural businesses, reading financial statements, and organizing tax returns.
• Skills in data analysis, organization, communication, listening, time management, and coaching.
• Proficiency in Excel and Microsoft Office Suite.

Bonus Points:

• Bilingual or multilingual abilities.

What We Offer:

• Medical, dental, vision, STD, LTD, life insurance, and more.
• Paid time off, holidays, and bereavement leave.
• Education assistance, family bonding leave, wellness benefits, and service awards.
• Financial benefits including 401(k) match, stock purchase plan, and discounts.

Location Options:

Positions may be located at:

• 313 Frederica Street, Owensboro, KY 42301
• 1311 W 12th Avenue, Jasper, IN 47546
• 4424 Vogel Road, Evansville, IN 47715
• 430 North Hamilton Rd, Whitehall, OH 43213

About Us:

German American Bancorp and its family of financial services companies are committed to delivering personalized service and serving communities with excellence. Our employees embody the Shield of Excellence in every interaction.