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Hawthorn Bank · 13 hours ago

CREDIT ANALYST I

Clinton, MO 64735, USA

Full-time

Onsite

Entry Level

1+ years exp

Hawthorn Bank is seeking a CREDIT ANALYST I to analyze financial data of commercial loans and monitor loan risks. The role involves preparing credit reviews and ensuring compliance with banking regulations and policies.

BankingCommunitiesFinancial Services

Responsibilities

Analyze new and existing commercial credit files (e.g., enter data into database and/or spreadsheet computer applications; generate reports; collate data from reports; review balance sheet, income statement, etc. and calculate ratios in preparing credit review; submit review for commercial banker’s review and modification; prepare final comments and make decisions regarding assignment of loan rating; sign and archive credit review with loan file)

Maintain credit files consistent with credit policy and integrity of the bank’s data systems; perform documentation reviews

Monitor, review, and analyze commercial financial reports for compliance with loan covenants; monitor credit risk for new and existing loans through inspection and observation

Review commercial appraisal and evaluations in accordance with credit policy

Prepare commercial real estate evaluations according to the bank’s methodologies and best practices

Create and run queries; conduct industry research and analysis

Prepare forms, reports, correspondence, memoranda, etc.; answer calls and provide assistance to customers. Perform project work, as assigned

Comply with all banking regulations, policies, and procedures

Maintain educational and professional expertise through attendance at job related seminars, conferences, and workshops. Represent the bank in a variety of community activities and functions. Participate in prospect and customer marketing calls and banker meetings

Qualification

Financial analysisCredit risk assessmentFinancial modelingAccounting knowledgeProficient in ExcelCommunication skillsProblem-solving skillsAttention to detail

Required

Possess a four-year college degree from an accredited university or institution with a major area of study in accounting, finance, business administration or other closely related discipline. Work experience and/or college coursework can be substituted for a four-year college degree

Possess a minimum of one year of professional work experience as a credit analyst or closely related field

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals

Ability to write routine reports and correspondence

Ability to speak effectively before groups of customers or employees of the organization

Strong oral and written communication skills

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals

Ability to compute rate, ratio, and percent and to draw and interpret bar graphs

Excellent financial and accounting analytic skills

Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions

Ability to deal with problems involving a few concrete variables in standardized situations

Must have the ability to operate the following equipment: telephone, 10-key calculator, typewriter, personal computer and printer, copy machine, fax machine

Must be proficient in Word, Excel, and Outlook

Experience with financial modeling

Advanced PC knowledge

Valid driver's license