WNB Financial, N.A. · 4 months ago
Credit Analyst II
Altoona, WI
Part-time
Onsite
Mid Level
3+ years expWNB Financial, N.A. is seeking a skilled analyst to join their Business Banking team as a Credit Analyst II. The role involves conducting in-depth credit analysis for business lending, ensuring compliance with regulations, and supporting loan decision-making processes.
BankingFinancial Services
Responsibilities
Completes loan requests and reviews, focusing on moderate to complex credit levels
Inputs information into financial spreading software and trend recognition
Analyzes business and personal financial information, tax returns, and credit bureaus. Use this information to create cash flow analysis, trend ratios and collateral analysis to determine the overall risk to the Bank
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
Completes appraisal reviews
Complete property evaluations on commercial and residential properties
Performs site visits as needed
Backs-up the Credit Officer in the preparation of various monthly and quarterly reports
Assists the Credit Officer in preparation of business banking audits
Serves as back-up Secretary to the Officer Loan Committee
Serves as back-up Secretary to the Board Loan Committee
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
Three to seven years of banking experience in business lending, credit analysis or trend analysis required
Must possess courteous and professional customer service attitude
Excellent verbal and concise 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 projection 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 aggressive 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 4-year college degree in accounting, finance, business or equivalent 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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