CREDIT ANALYST II at Malvern National Bank (MNB)

Malvern, Arkansas, United States -

Full Time

Start Date

Immediate

Expiry Date

13 Mar, 26

Salary

0.0

Posted On

13 Dec, 25

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Analysis, Financial Statements, Risk Assessment, Excel Proficiency, Analytical Skills, Communication Skills, Attention to Detail, Mathematical Skills, Teamwork, Confidentiality, Compliance, Problem Solving, Data Organization, Loan Proposals, Software Proficiency, Time Management

Industry

Financial Services

Description

Description Location: Central Arkansas Department: Credit Department Reports To: Senior Credit Analyst Hours: Full-time position GENERAL SUMMARY Under general supervision and guidance of the Senior Credit Analyst, the Credit Analyst II is responsible for analyzing and projecting credit and financial information on various types of loans for customers applying for credit or loans to determine the risk that the bank will not recoup funds loaned. The level of risk is then used to determine if a loan or line of credit will be granted, and if so, the terms of the loan, including interest rate. The Credit Analyst II prepares reports based upon their findings to help make decisions on lending and credit-worthiness; Work is highly confidential in nature and involves the skilled use of a computer. ESSENTIAL DUTIES AND RESPONSIBILITIES Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions Evaluate borrowers’ credit data and financial statements in order to determine the degree of risk involved in lending money, to monitor trends and conditions Spread financial statements into financial software Maintain and update tracking software program for financial exceptions Create Excel worksheets to organize, analyze, present, and store data Prepare reports surrounding the degree of risk in lending money to borrowers Determine and alert senior management as to potential problem situations which surface from analytical investigations Analyze borrower records, using the data to recommend payment plans Confer with credit associations and references to exchange credit information on borrowers Provide assistance in preparation and presentation of loan proposal packets, including the credit analysis and loan request summaries; submit to loan committees for review/approval Verify covenant information and note exceptions Prepare monthly reports for senior management Reconcile credit files and identify discrepancies and variances Remain abreast of company’s lending protocols Successfully complete compliance training; Adhere to internal controls and procedures; Understand and comply with bank policies as well as regulations and laws applicable to the position Maintain utmost confidentiality and professionalism in dealing with others Perform any other related duties as may be required or assigned TEAM EXPECTATIONS Champion the MNB mission statement with pride and enthusiasm Maintain a high-level of cooperation and rapport among team members to ensure accuracy and efficient operations and service Perform all aspects of your position with a coachable spirit Collaborate in the sharing of new ideas that will drive the organization’s bottom line Participate in volunteer opportunities surrounding the bank Exhibit professionalism at all times ENVIRONMENTAL CONDITIONS The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions. There are no harmful environmental conditions that are present for this position. The noise level in the work environment is usually moderate and that of a typical office setting. SAFETY SENSITIVITY This position is not considered safety sensitive as defined by the MNB Drug-Free Workplace Policy. OTHER Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. EOE STATEMENT MNB is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, age, sex, sexual orientation, gender identity, marital status, pregnancy, status as a protected veteran, status as a qualified individual with a disability, or any other basis that may be determined by law. Requirements To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. EDUCATION AND EXPERIENCE High school diploma or GED required Bachelor’s Degree in Accounting or Finance preferred Minimum five (5) years commercial credit analyst, underwriter, and/or commerical lending experience required OTHER SKILLS AND ABILITIES Credit Analyst II must be able to Exhibit ability to effectively support Supervision Communicate effectively (both oral and written) Display impeccable understanding of financial statements, ratios, and concepts Successfully manage assigned tasks independently while meeting time constraints Calculate figures and amounts (e.g. discounts, interest, commissions, percentages, etc.); apply mathematic concepts (e.g. fractions, ratios, proportions, etc.) Exhibit strong analytic skills and attention to detail while organizing information Multi-task and rotate job tasks with seamless flexibility Read, understand and comply with documents (e.g. policy manuals, laws, regulations, internal procedures and controls, etc.) and exercise independent judgement, initiative, and discretion based on knowledge of such in performing daily activities Foster an atmosphere of teamwork and enthusiasm Exercise trustworthy service, courtesy, tact and diplomacy in dealing with others Efficiently use standard office equipment (i.e. desktop/laptop computer and software, copier, scanners, printers, fax, 10-key calculator, multi-line telephone system, etc.) Proficiently use MS Office applications (Word, Excel) Exhibit general knowledge of commercial bank computer applications PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions This position requires manual dexterity; to regularly sit, use hands to finger, key data, handle or feel; to reach with hands and arms; to talk and hear; the employee must occasionally stand, walk, bend, stoop, or kneel. The employee may regularly be required to lift and/or move up to 10 lbs.; occasionally lift and/or move up to 20 lbs. Specific vision abilities required by this job include focus and close vision.

Responsibilities

The Credit Analyst II analyzes and projects credit and financial information for various types of loans to assess risk and determine lending decisions. They prepare reports and provide recommendations based on their findings to senior management.