Farmers State Bank LaGrange · 1 month ago
Senior Credit Analyst
Lagrange, IN
Full-time
Onsite
Senior LevelFarmers State Bank LaGrange is seeking a Senior Credit Analyst to assist the Credit Administration Manager in providing competent credit analysis and loan review for the commercial lending activities of the Bank. The role involves analyzing financial data, performing loan reviews, and preparing reports for management and the Board of Directors.
BankingFinancial Services
Responsibilities
Provides accurate information and sound judgments on the credit worthiness of assigned accounts to aid Commercial Loan Officers in granting loans. This entails analyzing and documenting financial data, along with analyzing financial statement ratios, collateral adequacy, future repayment ability, reading credit reports, and evaluating customer’s management ability, history, and character
Performs loan review for commercial loans after closing, predominately for lending relationships in a range of $500,000 to $2,500,000 in size. Assigns risk ratings for credit relationship in conformance with the Bank’s 8 grade system
May perform periodic analytical review for residential loans after closing
Performs detailed appraisal reviews for large commercial real estate affiliated loans and residential real estate loans greater than $250,000 in transaction size; as well as an annual appraisal review for a sampling of the loans booked in a given year. At times may be required to attend appraisal review seminars and other appraisal related educational opportunities
Monitors the current status and problems of assigned accounts and anticipates opportunities and problems which may arise. Brings significant problems to the attention of the loan officer with recommendations for remedial action
Assists the Credit Administration Manager in preparing quarterly Substandard Reports in conjunction with loan officers
Assists the Credit Administration Manager in preparing annual Loan Policy manual updates
Attends Loan Committee and Director’s Loan Committee meetings in order to prepare minutes for each meeting for Board of Directors submission
Assists the Credit Administration Manager in the preparation of various reports for management, auditors, bank examiners and the Board of Directors
Assists loan officers in determining loan rates to be used for existing and potential customers through the utilization of the Bank’s pricing model software
Assist auditors and examiners during annual visits
Assists in the training of Credit Analysts
Assists in the training and mentor of Bank Interns in the Analytical Department
Performs other related duties and special projects as assigned
Qualification
Required
Assist the Credit Administration Manager in providing competent credit analysis and loan review for the commercial lending activities of the Bank
May periodically provide sound review for in-house residential mortgage loans made by the Bank
Provides accurate information and sound judgments on the credit worthiness of assigned accounts to aid Commercial Loan Officers in granting loans
Analyzing and documenting financial data, along with analyzing financial statement ratios, collateral adequacy, future repayment ability, reading credit reports, and evaluating customer's management ability, history, and character
Performs loan review for commercial loans after closing, predominately for lending relationships in a range of $500,000 to $2,500,000 in size
Assigns risk ratings for credit relationship in conformance with the Bank's 8 grade system
May perform periodic analytical review for residential loans after closing
Performs detailed appraisal reviews for large commercial real estate affiliated loans and residential real estate loans greater than $250,000 in transaction size
Monitors the current status and problems of assigned accounts and anticipates opportunities and problems which may arise
Brings significant problems to the attention of the loan officer with recommendations for remedial action
Assists the Credit Administration Manager in preparing quarterly Substandard Reports in conjunction with loan officers
Assists the Credit Administration Manager in preparing annual Loan Policy manual updates
Attends Loan Committee and Director's Loan Committee meetings in order to prepare minutes for each meeting for Board of Directors submission
Assists the Credit Administration Manager in the preparation of various reports for management, auditors, bank examiners and the Board of Directors
Assists loan officers in determining loan rates to be used for existing and potential customers through the utilization of the Bank's pricing model software
Assist auditors and examiners during annual visits
Assists in the training of Credit Analysts
Assists in the training and mentor of Bank Interns in the Analytical Department
Performs other related duties and special projects as assigned
The employee is regularly required to sit, stand, talk, hear, walk, use hands and fingers, handle or feel objects, and reach with hands and arms
This position requires regular use of a computer
The employee must be able to travel between branch locations on a regular basis
Company
Farmers State Bank LaGrange
Farmers State Bank was founded in 1915 and has been serving customers in Northeast Indiana and Southern Michigan for over 105 years.
Founded in 1915
51-200 employees
Funding
Current Stage
Public CompanyTotal Funding
unknown1999-04-16IPO
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