JOB SUMMARY:

This position is responsible for the collection and tracking of all the Bank’s borrowers/guarantors required financial information to support new and ongoing extensions of credit. Accountable for performing an in-depth analysis of this data, as well as an assessment of current or changing borrower/guarantor risks. Through a defined internal process, reviews on an ongoing basis each assigned credit file’s underwriting documentation for compliance to the Bank’s Loan Policy and regulations and ensures the Bank’s collateral position is properly denoted. This position supports lenders with proper loan structuring and underwriting documentation, Loan Committee approvals (write-ups) and annual reviews of existing credits. The Credit Analyst must have a working understanding of the Bank’s core loan system, and a strong knowledge of credit supporting systems, such as the Bank’s spread and tickler tracking software, flood certification website, Credit Bureau provider, WDFI’s UCC name/lien searches, etc.
Supervisory Responsibilities: None

REQUIRED SKILLS/ABILITIES:

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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
1. Aptitude to effectively present information and respond to questions from a wide array of constituents, such as a Board of Directors, peers, staff, customers and the general public.
2. Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals. Proficient at completing complex fractions, percentages, rate and ratios.
3. Aptitude to create basic to complex spreadsheets, and an ability to prepare and interpret statistical information or graphs, while proficiently applying these mathematical concepts to work at hand.
4. Ability to define problems, collect data, establish facts and draw valid conclusions. Ability to solve practical and/or abstract problems and deal with a variety of variables and situations where only limited standardization may exist.
5. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.
6. 10-Key Calculator, Keyboarding, Knowledge of Personal Computer, and Wide Array of Software Applications (Word and Excel). Working Knowledge of LAN and WAN, Internet

EDUCATION AND EXPERIENCE:

Relevant Bachelor’s Degree (BA) from a four year college or university preferred. 5 years or more of related experience and/or training.

PHYSICAL REQUIREMENTS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of those jobs. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit for prolonged periods of the work day; use their hands and fingers; reach with hands and arms; talk plainly and hear accurately. The employee frequently is required to walk. The employee is occasionally required to stand; reach with hands and arms; climb and balance; and stoop, kneel and crouch. The employee must regularly lift and/or move up to ten pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, peripheral vision and ability to adjust focus.

TRAVEL REQUIREMENTS:

Travel to other locations or areas may be required at times.
BNG provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.
This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.
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.
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1. Collect and analyze information that reflects the current credit worthiness of existing and new loan customers, including credit bureau reports, financial reports, cash flow analysis and ratio analysis. On an ongoing basis primary employee to monitor the merits of existing credit extensions.
2. Prepares necessary disclosures in accordance with the regulatory requirements, including content and timing. 3. Helps promote a culture of regulatory compliance and safe and sound financial practices.
3. Knows and strictly follows all security, compliance, regulatory, internal control procedures, policies, and laws. 5. Complete financial spreads and credit scoring for all business loans.
4. Support and assist lenders in proper loan structuring, underwriting, and respective Loan Committee approvals (write-ups). Upon approval and request from lender, responsible for the completion of commitment letters.
5. Responsible for preparing and sending out letter requests for required customers’ financial data, and ensures current data is imaged into the Bank’s imaging system, and old data is removed, per the Bank’s record retention policy.
6. Demonstrate an expert level understanding of the loan policy.
7. Participate in business calls and/or customer meetings with loan officers.
8. Responsible for preparing the formal engagement letter to order an appraisal or evaluation. Complete a documented review all Appraisals and Evaluations upon receipt, for Accuracy and Completeness
9. The primary contact with Bankers Bank for all Business Credit Card applications and questions.
10. Responsible for continual monitoring of covenants, tracking compliance, submission of required reports, along with any follow-up work required for loans with a government guarantee, or special Bank loan agreement covenants to include, but not limited to, Debtor’s Certificates, interim financial information, special insurance requirements, loan agreement covenants, and special collateral assignment tracking.
11. Responsible for the credit underwriting, negotiating of acceptable terms with respective lead bank, and the ongoing monitoring of loan participations purchased. All file documentation is to mirror the lead bank and will follow this protocol for approval.
12. Assist Sr. Vice President /Chief Credit Officer in the preparation of reports needed for lenders, Loan Committee, Board, examiners, and/or auditors, as assigned, to augment loan review, documentation assessment, and other loan area tracking.
13. All work completed for the Bank both in the credit area, and other areas of the Bank, will follow established policies and operating procedures, which are consistent with the Bank’s overall policies and operating objectives.
14. When appropriate and the opportunity arises, sell Bank products and services by clarifying customer’s needs, validating services being delivered, presenting features and benefits, and closing by asking for the business and referring to the appropriate team member to complete the transaction.
15. Treat all customer inquiries, questions and complaints with respect and follow through. Maintain the Bank’s goal to be accessible to the customer and always provide premium service.
16. Continue to develop skills in all areas of product knowledge, documentation, selling and general banking through in-house training, bank related seminars, classes, periodicals and/or schools.
17. Be a team player. Maintain a positive work atmosphere by acting and communicating in a manner so that you get along with customers, co-workers and managers.
18. Maintain a high level of ethical behavior within the banking profession
19. Be aware of and support the Bank’s efforts in meeting the Community Reinvestment Act (CRA).