Central Bank · 2 months ago
Senior Credit Analyst
Sioux City,IA,US
Full-time
Onsite
Senior Level
5+ years expCentral Bank is responsible for providing financial services and supporting the community. The Senior Credit Analyst will analyze credit data and financial statements to assess risk in lending, train junior analysts, and assist in the administration of commercial loan accounts.
BankingFinancial Services
Responsibilities
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money
Spread appropriate financial data using CASH software program
Generate financial ratios, using computer programs to evaluate customer’s financial status
Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industry
Analyze data such as income growth, quality of management, and market share to determine expected profitability of loans
Draft credit analysis memos for annual review, new request and modification
Prepare recommendations to Commercial Loan Officer regarding loan structure terms, and conditions
Request and communicate with customers, accountants, and attorneys regarding questions on financials, business structure and other necessary documentation. Confidentiality and integrity are of the utmost importance
Coordinate the ordering of loan documentation and assist in the documentation of loans to evidence debt, including perfection of security interests
Keep informed of market and economic conditions that may impact customers and the related credit risk and other professional banking issues
Prepare and review various reports
Research industry, market, or other data as needed
Compile data for accountants as requested by Loan Officer
Complete references of customer as requested by Loan Officer
Identify opportunities to refer customers and/or potential customers to other departments for services that may meet their needs
Consult with customers to resolve complaints and verify financial and credit transactions
Perform on-site inspections at customer locations to determine customer performance
Assist with interviews and the selection process for hiring new employees for the credit department
Recommend and implement changes or procedures for the credit department-i.e. software, write-up templates, training, etc
Assign duties to credit analyst I and II’s based on skills and experience
Facilitate performance reviews in accordance with quality and quantity requirements
Recommend transfer or promotion within the credit department
Administer discipline to correct misconduct or inadequate performance of job duties with the authority to recommend discharge of employees within the credit department
Provide superior level of customer relations and promote customer service through coaching, guidance, and motivation
Perform other related duties and responsibilities as assigned by management
Qualification
Required
Bachelor's degree required or equivalent work experience
Minimum of five (5) years of experience in similar job duties
Company
Central Bank
Central Bank has a solid history of providing customers with financial solutions and a strong commitment to serving their communities.
201-500 employees
Funding
Current Stage
Growth StageRecent News
2025-10-09
2025-09-26
Lane Report | Kentucky Business & Economic News
2025-08-21
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