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Hy-Vee, Inc. · 2 months ago

Credit Analyst II

Midwest Heritage, Ep True Parkway, West Des Moines, IA

Full-time

Onsite

Entry, Mid Level

2+ years exp

Midwest Heritage Bank is dedicated to customer care and employee growth. The Credit Analyst II is responsible for conducting credit analysis to assess credit quality and minimize risk on various types of loans, while also mentoring less experienced peers.

Organic Food

Responsibilities

Analyze, evaluate and assess financial statements and other related data/information including projections, sensitivity analysis, cash flow, repayment collateral, loan relationships, problem credits, etc. to determine credit worthiness of general to complex credits per loan policy

Obtain information from customers and vendors. Present loan presentations to lender and/or assist with presentation to loan committee

Identify risks and make recommendations to lenders regarding findings and working with customers, issues, data, etc

Evaluate and monitor various industries, market trends, economic risks, and other related factors and make recommendations to lender and/or loan committee including ways to improve risk management processes

Prepare and present credit write-up. This will include a summary of credit risks, identification of loan policy exceptions, proposed improvements to loan structure, and assessment of the loan rating

Mentors and trains less experienced peers

Qualification

Credit AnalysisRisk AssessmentFinancial Statement AnalysisMicrosoft OfficeAnalytical ThinkingCommunicationDetail OrientedTime Management

Required

Bachelor's Degree in Accounting, Finance, Business or related field

2+ years' experience in credit administration and risk analysis

Commitment to the Midwest Heritage mission and willingness to promote the values of the organization

Strong organizational and time management skills with the ability to prioritize multiple tasks and meet deadlines

Proficient computer skills. Microsoft Office preferred (Outlook, Power Point, Excel and Word.)

Good verbal and written communication skills

Strong interpersonal skills; ability to relate to and interact with people in a friendly, professional manner

Strong detail orientation including the ability to review forms for accuracy and completeness

Obtain information from customers and vendors. Present loan presentations to lender and/or assist with presentation to loan committee

Identify risks and make recommendations to lenders regarding findings and working with customers, issues, data, etc

Prepare and present credit write-up. This will include a summary of credit risks, identification of loan policy exceptions, proposed improvements to loan structure, and assessment of the loan rating

Mentors and trains less experienced peers