Credit Analyst
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OHNWARD BANCSHARES
Marion, IA, US
Summary
The Credit Analyst assesses loan applicant creditworthiness by analyzing financial data and preparing formal loan proposals. They also support lenders by managing portfolios, monitoring covenants, and ensuring all loan documentation complies with bank policies.
Job Description
Job DetailsJob Location: Ohnward Bank Trust Marion - Marion, IA 52302To apply for this position, go to our website Ohnward Bancshares, Inc.
www.ohnward.com
About Us
Careers
Apply Now
POSITION SUMMARY
The Credit Analyst is responsible for assessing a loan applicant’s credit worthiness. Credit analyst include analyzing credit data and financial information of persons or companies that are applying for credit or loans to determine the risk to the bank. This position assist lenders in managing their portfolios.
KEY ORGANIZATIONAL RELATIONSHIPS
Reports to an Officer.
Works closely with all lenders and lending team.
DUTIES AND RESPONSIBILITIES
Essential Duties and Responsibilities
To perform this job successfully an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Provides support of loan lenders and officers through financial statement spreading and analysis of new loan requests and existing credit relationships.
Accurately prepares loan documents.
Under direction, prepares formal loan proposals, risk ratings and loan pricing worksheets which summarize the total relationship and a complete financial overview to include ratio and trend analysis.
Provides additional loan agreement/covenant monitoring support to commercial lending and underwriting groups.
Provides on-going portfolio assistance through spreading on-going required financial statements as they are received from the Bank’s customers.
Ensures all documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable.
The monitoring of the portfolio which includes but not limited to financial tracking and monitoring maturing notes/annual reviews.
Requesting and obtaining all information needed from the client or prospect to underwrite the credit request.
Participate in discussions and subsequent meetings with loan officers and other credit analyst to exchange information and ideas, and to seek to understand the opinions of others.
Manage the files for final completion documents on all transactions, on-going financial statements, tax returns, and other tickler items.
Monitor all credits are risk rated, and that risk ratings remain commensurate with the quality of the credit as supported by file and financial information.
Ability to take payments, look up balances and interest rates.
Assist lenders in managing their portfolios, pull credit reports, pull flood determinations, and order appraisals. Efficiently prepare Laser Pro loan documents to assist lenders, ensuring they are prepared correctly, accurately and enforceable.
Attend loan committee to learn and assist lenders.
Prepare Right to Cure notices on installment or real estate loans on an ongoing basis for 30+ day delinquencies or as otherwise directed by Loan Committee.
Performs other duties as assigned.
SKILLS AND ABILITIES
To perform this job successfully, an individual should demonstrate the following knowledge, skills, and abilities.
Ability to read, analyze, and interpret general business documents, technical procedures or governmental regulations. Ability to write reports, business correspondence, and procedures manuals. Ability to effectively present information and respond to questions from groups of managers, and customers.
Familiarity with computers and banking applications/software. Solid understanding of lending products and practices.
Excellent communication and interpersonal skills.
EDUCATION AND EXPERIENCE
Associate Degree in Business Administration, Accounting, Finance or related field; or 2-4 experience and/or training; or equivalent combination of education and experience.
Experience in process evaluation or comparable experience.
Excellent critical thinking and analytical skills.
Strong organizational and prioritizing skills, and time management skills.
Excellent interpersonal and communication skills, both written and oral.
BENEFITS:
Stakeholder Bonus
Health Insurance
Dental Insurance
Retirement Plan (401k) – 3% Safe Harbor Contribution + Discretionary Contribution
10 Observed Holidays
PTO
Group Term Life provided
Short Term Disability - 100% provided by company
Long Term Disability
Maternity/Paternity Leave – 100% of pay
Community Involvement
Pay-It-Ohnward – Company Giving Program
Grilling for Charity – Community Donations
Thank God Its Monday (TGIM) Company Event
To apply for this position, go to our website Ohnward Bancshares, Inc.
www.ohnward.com
About Us
Careers
Apply Now
Equal Opportunity Employer
Qualifications
Ohnward Bancshares, Inc., is a billion-dollar plus bank holding company with 19 financial offices in Eastern Iowa including Maquoketa State Bank with offices in Maquoketa, Andrew and Preston; Ohnward Bank & Trust with offices in Baldwin, Cascade, Monticello, Marion, Central City and Cedar Rapids; First Central State Bank with offices in DeWitt, Long Grove, Eldridge, Le Claire, Goose Lake and Clinton. Trust services are offered through all banking offices under the Ohnward banner, which includes Ohnward Insurance Group, Central Realty, Ohnward Financial Advisor Services, Ohnward Farm Management, Ohnward Tax, Accounting & Business Services, Vosler Investment Group and Ohnward Wealth & Retirement.
Ohnward Bancshares, Inc. has total assets of $1.1 Billion, a capital of $150 Million and employs over 260 full and part time employees. Ohnward is locally owned by shareholders living primarily in Jackson, Clinton, Scott, Jones and Linn Counties. Bank management’s focus continues to be helping clients and communities grow and prosper.
Ohnward Bancshares, Inc. and its affiliate banks provide equal employment opportunities (EEO) to all applicants and employees for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, age, marital or veteran status, medical condition or handicap/disability, or any other legally protected status in accordance with applicable federal, state and local laws. Ohnward Bancshares, Inc. and its affiliate banks comply with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including, but not limited to, hiring, placement, promotion, termination, layoff, recall, transfers, leave of absence, compensation and training.
Founded
1967
Company size
201-500 employees
Industry
Financial Services
Org type
Privately Held
Headquarters
Maquoketa, IA
Ohnward Bancshares, Inc., is a billion-dollar plus bank holding company with 19 financial offices in Eastern Iowa including Maquoketa State Bank with offices in Maquoketa, Andrew and Preston; Ohnward Bank & Trust with offices in Baldwin, Cascade, Monticello, Marion, Central City and Cedar Rapids; First Central State Bank with offices in DeWitt, Long Grove, Eldridge, Le Claire, Goose Lake and Clinton. Trust services are offered through all banking offices under the Ohnward banner, which includes Ohnward Insurance Group, Central Realty, Ohnward Financial Advisor Services, Ohnward Farm Management, Ohnward Tax, Accounting & Business Services, Vosler Investment Group and Ohnward Wealth & Retirement.
Ohnward Bancshares, Inc. has total assets of $1.1 Billion, a capital of $150 Million and employs over 260 full and part time employees. Ohnward is locally owned by shareholders living primarily in Jackson, Clinton, Scott, Jones and Linn Counties. Bank management’s focus continues to be helping clients and communities grow and prosper.
Ohnward Bancshares, Inc. and its affiliate banks provide equal employment opportunities (EEO) to all applicants and employees for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, age, marital or veteran status, medical condition or handicap/disability, or any other legally protected status in accordance with applicable federal, state and local laws. Ohnward Bancshares, Inc. and its affiliate banks comply with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including, but not limited to, hiring, placement, promotion, termination, layoff, recall, transfers, leave of absence, compensation and training.
Founded
1967
Company size
201-500 employees
Industry
Financial Services
Org type
Privately Held
Headquarters
Maquoketa, IA
