WNB Financial, N.A. · 3 months ago
Credit Officer
Winona, MN
Full-time
Onsite
Mid, Senior Level
$74K/yr - $111K/yr
5+ years expWNB Financial, N.A. is seeking a Credit Officer responsible for contributing to the loan decision-making process and sound portfolio management. The role involves conducting in-depth credit analysis on clients, supervising credit analysts, and ensuring compliance with regulations while managing loan portfolios.
BankingFinancial Services
Responsibilities
Completes loan requests and reviews
Analyzes financial information
Identifies, requests, and tracks information needed to complete the credit analysis
Identifies and reports areas of concern
Ensures compliance with federal, state, and bank regulations
Reviews loan file for proper documentation
Coordinates loan committee meetings including the agenda and minutes as well as package submission deadlines
Prepares monthly and quarterly reports
Monitors and makes recommendations for updates to Bank policies pertaining to the lending function
Completes appraisal and evaluation reviews
Periodically completes property evaluations on commercial and residential properties
Performs site visits as needed
Manages and assigns area workload
Develops and monitors work plans that align with the Bank’s strategic goals
Provides guidance, assistance, and resources to support individual and team performance
Ensures high quality work that supports Bank’s credit standards
Work with Manager to analyze department needs
Assists with coordinating implementation teams
Create processes and procedures relative to the Credit Analyst function
Assist with the implementation of systems
Maintain in good standing existing technologies and systems
Compiles audit information
Orientates external examiners and responds to requests
Serves on bank committees as needed
Participates in internal and external training and development opportunities as required
Other job related duties necessary to carry out the responsibilities of the position
Qualification
Required
A 4-year college degree in accounting, finance, business or equivalent required
A minimum of 5+ years accounting/finance related experience preferred
Banking experience required
Must possess courteous and professional customer service attitude
Excellent verbal and written communication skills
Legible handwriting
Ability to maintain the integrity of highly confidential client and Bank information
Must possess excellent mathematical skills up to and including statistical analysis
Strong computer skills, technical ability to input and retrieve computerized information
Strong organization and follow-up skills
Must possess ability to deal effectively with time pressures and stress that can change hourly depending on level of client activity
Must possess effective problem solving and technical research skills
Must be a self-starter and independent thinker
Preferred
A minimum of 5+ years accounting/finance related experience preferred
Supervisory experience preferred
Company
WNB Financial, N.A.
WNB Financial, N.A. More than a bank. Member FDIC. Equal Housing Lender.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Mary Polus
Senior Vice President, Chief Technology Officer
Matt Becker
Chief Financial Officer
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