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Job Openings >> Credit Analyst
Credit Analyst
Summary
Title:Credit Analyst
ID:1073
Branch/Location:Converse
Availability:Full Time
Department:Commercial/Agriculture
Job Type:Non-Exempt (salaried)
Description
CREDIT ANALYST

DEPARTMENT: Loans
CLASSIFICATION: Non-Exempt
REPORTS TO: AVP Credit Administration
SUPERVISES: None

POSITION SUMMARY:
Responsible for analyzing and monitoring credit worthiness of the bank’s commercial/ag clients. Analyzes financial statements, tax returns and bank references to evaluate the financial condition of individuals and businesses applying for credit with the bank. Recommends credit lines within the established bank guidelines.

DUTIES:
1. Provide back-up assistance to other loan officers as needed
2. Verify that loans will meet the required underwriting criteria for requested specific loan product
3. Create Financial Historical spreads and pro-forma cash flows. Prepares spread sheets, reports, summaries and
   
opinions for financial officers on new, renewal and existing loans
4. Assist in the assembling of loan presentations
5. Perform credit inquiries and obtain credit reports
6. Provide technical advice and assistance to loan officers as needed
7. Analyze loan data on new, renewal and existing loans
8. Assemble loan presentation packages for loan committee
9. Completion of loan committee loan minutes for board package


RELATIONSHIPS/QUALIFICATIONS:
1. Responsible to the AVP Credit Administration for the fulfillment of duties assigned
2. This position requires B.S. degree in Finance or Ag Economic preferred
3. Experience in Finance or related field preferred
4. General banking knowledge, specifically in the commercial/ag lending area would be helpful
5. Basic computer skills and an attention to detail and accuracy; REQUIRED
6. May be called on from time to time to participate with community organizations and community projects


WORKING CONDITIONS:
1. Normal office environment
2. Extended viewing of computer screens
3. Moderate lifting up to 25 pounds
4. Repetitive hand and arm movement

First Farmers Bank & Trust promotes an equal employment opportunity workplace which includes reasonable accommodation of otherwise qualified disabled applicants and employees. Please see your HR Director should you have any questions about this policy or these job duties.

 
This opening is closed and is no longer accepting applications
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