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Ixonia Bank · 21 hours ago

Senior Credit Analyst

Ixonia, WI

Full-time

Onsite

Senior Level

5+ years exp

Ixonia Bank is dedicated to providing a personal banking experience and values its employees. The Senior Credit Analyst will underwrite complex commercial loan requests, perform financial reviews, and collaborate with loan officers to manage credit risks effectively.

BankingFinancial ServicesWealth Management

Hiring Manager

Rachael M.

Responsibilities

Underwrite new commercial loan requests and renewals, including the bank's most complex requests

Perform annual financial reviews of existing commercial relationships

Work collaboratively with Commercial Loan Officers and the credit department leadership to ensure that credit risks are properly identified and presented accurately to credit approvers and loan committees

Ensure that all exceptions to the bank's lending policy are noted and that the proper level of approval is achieved for all requests based on requirements outlined in the bank's lending policy

Provide leadership and training to credit analysts for career advancement and enhancement, developing increased independence in all job aspects, particularly relating to more complex credits

Develop continually advancing portfolio analytics, including concentrations, high loan to value (HLTV), policy tracking, and portfolio stress testing

Maintain a strong understanding of the bank's lending policy, as well as interagency regulations

Perform review of appraisals and real estate evaluations

Monitor and test loan covenants for existing credit relationship

Assist with monthly and quarterly reporting that is reviewed by senior level leadership and the Board of Directors

Qualification

Commercial credit experienceFinancial analysisCredit trainingData analysisBanking regulations knowledgeLoan policy knowledgeTeam orientationPC software familiarityWritten communicationVerbal communicationPresentation skills

Required

Bachelor's degree or equivalent education and experience

5+ years of commercial credit experience within a bank environment

Ability to effectively analyze significant amount of data and information and distill and communicate it to the key points impacting a borrower's ability repay the bank debt

Capabilities to gather, summarize and interpret information from other business units

Advanced computer literacy including spreadsheets, word processing and database management

Ability to maintain constructive working relationships

Bachelor's Degree in Accounting, Finance, Business, and/or equivalent banking and/or work experience

A minimum of 5 years of financial analysis

Preferred

Specialized formal credit training preferred

Excellent written/verbal communication and presentation skills; team orientation, familiarity with PC based and banking software programs; familiarity with financial analysis software is a plus

Knowledge of small business and consumer loan policy, federal banking regulations, credit granting criteria, interest rates and how they are computed, and required documentation for each type of loan