The Credit Analyst II is responsible for conducting basic to moderately complex credit analysis consisting of gathering, analyzing and interpreting credit information for existing and prospective customers in order to assess credit quality and to minimize risk and potential loss on commercial, real estate, agricultural, non-profit and personal loans.
Analyze, evaluate and assess financial statements and other related data/information including projections, sensitivity analysis, cash flow, repayment collateral, loan relationships, problem credits, etc. to determine credit worthiness of general to complex credits per loan policy.
Obtain information from customers and vendors. Present loan presentations to lender and/or assist with presentation to loan committee.
Identify risks and make recommendations to lenders regarding findings and working with customers, issues, data, etc.
Evaluate and monitor various industries, market trends, economic risks, and other related factors and make recommendations to lender and/or loan committee including ways to improve risk management processes.
Prepare and present credit write-up. This will include a summary of credit risks, identification of loan policy exceptions, proposed improvements to loan structure, and assessment of the loan rating.
Mentors and trains less experienced peers and performs all other duties as assigned.
Bachelor’s Degree in Accounting, Finance, Business or related field.
2+ years’ experience in credit administration and risk analysis. Formal credit administration training preferred.
MINIMUM SKILLS AND KNOWLEDGE:
Commitment to the Midwest Heritage Mission and willingness to promote the values of the company
Advanced knowledge of lending principles, processes and practices
Working knowledge of accounting principles and practices
Advanced knowledge of analysis tools and proven aptitude
Proficient in Microsoft Office programs including Word, and PowerPoint with advanced proficiency in Excel
Proven aptitude using analytics and logic
Strong internal and external interpersonal and customer service skills
Midwest Heritage, a subsidiary of Hy-Vee, established in 1873 is a full service financial center that offers Banking, Insurance and Investments. At Midwest Heritage we offer a unique line of products and services to customers...anywhere, anytime. Midwest Heritage has doubled in size over the last 7 years and is looking for additional team members who are customer focused, genuine and goal oriented.... If you are looking for a career that provides phenomenal benefits, competitive salary, autonomy and growth, don’t wait…apply today!
Midwest Heritage is an EOE/VET/Disability employer.