Credit Analyst

at  First International Bank Trust

First International Bank and Trust is a family-owned community bank and one of Prairie Business Magazine’s 50 best places to work for 10 years running. We are seeking a skilled Credit Analyst to join our Credit Analysis division and support our Commercial Loan Department in office and on-site. The ideal candidate will have experience in reviewing personal tax returns, financial statements, and assessing risk to determine credit quality.

QUALIFICATIONS:

• Bachelor’s degree from four-year college or university in finance, accounting, or business; or a minimum of two years credit analyst experience; or equivalent combination of education and experience as described in the Key Responsibilities.
• Strong analytical skills with the ability to interpret financial data.
• Proficiency in reviewing personal tax returns and financial statements.
• Excellent communication and presentation skills.
• Ability to work independently and as part of a team.
• Attention to detail and ability to meet deadlines.

We show our employees we care by providing competitive benefits and training and growth opportunities. Here are the things we offer within our full-time benefits package:

• Health, Dental & Vision
• 401K Retirement Plan with Employer Match
• Paid Parental Leave
• Life and Disability Insurance
• Generous PTO and Holiday pay

If you are interested in learning more, you can apply or if you have questions before applying you can reach out directly at TalentAcquisition@FIBT.com.

• Analyze comprehensive credit data and financial information of potential borrowers to determine the degree of risk involved in extending credit.
• Completes thorough analysis of business and personal tax returns, financial statements, and risk to determine credit quality by using computer software specifically, Sageworks and like systems.
• Monitor and review existing credit facilities to ensure compliance with terms and conditions.
• Assist loan officers in the analysis of financial information from commercial, consumer and agricultural customers.
• Prepare loan presentations, comment sheets and complete annual reviews containing commercial, consumer and agricultural financial information.
• Periodically accompany loan officers on prospect calls and customer calls.