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Credit Analyst

Company: Midwest BankCentre
Location: Saint Louis
Posted on: February 15, 2019

Job Description:

Job Description Job Description And Analysis - Credit Analyst - Reports to: Risk Management Officer I. Function and Impact Information Purpose of Job To prepare financial statement spreads and credit analysis memorandums for presentation to lenders, senior management and the Board of Directors or Loan Committee; to enhance credit file documentation used by Risk Management, examiners, (internal and external) and lenders. Impact of the Job The financial analysis provides key information for sound credit decisions and the ongoing monitoring of risk with existing credit customers. Jobs affected: risk management officer and lenders. Routine Decisions Made Proper classification of balance sheet/income statement entries; analysis of financial condition of prospective/existing customers. Supervision Jobs this person is formally responsible for supervising: Title of Job No.of Employees Assistant Collector/Credit Analyst 1 Nature of Internal Contacts Daily consultation with lenders, loan review officers, senior management, and risk management officer concerning prospective/existing customers. Assists in supervising the Assistant Collector/Credit Analyst. Nature of External Contacts Customers and/or customers' accountants for questions pertaining to their financial statements, title company personnel and trade association personnel for collection of industry standard data. II. Responsibilities and Tasks Essential Responsibilities, Time Spent & Importance (Weight) % Time Weight Prepare financial statement spreads and credit analysis 60 40 Research various industry trends and analysis data to support credit decision- making process 20 7 Assist with report preparation for Risk Management Dept. 5 7 Assists in Supervising the Asst. Collector/Credit Analyst 10 8 Tasks Required For Each Prepare financial statement spreads and credit analysis Obtain financial statements from lenders or credit files Input data to spreadsheet software and analyze Produce spreadsheet and Credit Analysis Memorandums for distribution Review analysis with Risk Management Officer and lender Obtain data from trade associations, libraries, bank records, etc. Extract pertinent information to share with lenders and include in credit analysis memorandums. Maintenance of "Loans secured by Stock" report Assist with dealer inventory inspections reports Assists in the selection and interview process. Assists in preparing annual performance review and quarterly goals Research various industry trends and analysis data to support credit decision-making process Assist with report preparation for Risk Management Dept. Assists in supervising the Assistant Collector/Credit Analyst III. Specifications Knowledge, Skills & Abilities Required Knowledge Skills Abilities balance sheet/income statement composition cash flow analysis accounting entries financial analysis verbal/written communication personal computer interpersonal interaction oral and written presentation supervisory Word processing and spreadsheet proficiency ability to defend analysis verbally function independently decision-making ability to interact cordially with coworkers to accomplish common tasks. Physical Requirements Physical mobility and dexterity to transport files and operate general office equipment (telephone, fax. copier). Able to accurately enter data on a PC. Ability to effectively read, write, and speak the English language. Visual acuity to accurately review and proof information. Auditory ability to use a telephone. Formal Education and Credentials Bachelors degree with emphasis in accounting or finance; three or more years financial experience; or, an equivalent combination of education and experience. Working Conditions May be required to create and deliver presentations to internal and external audiences. Other Information None. CRANALYT.JOB 2/5/19

Keywords: Midwest BankCentre, St. Louis , Credit Analyst, Professions , Saint Louis, Missouri

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