Bank of the San Juans · 2 weeks ago
Credit Analyst
Grand Junction, CO
Full-time
Onsite
Entry Level
$26.25/hr - $28.25/hr
1+ years expBank of the San Juans is seeking an experienced Credit Analyst to join their team. This position is primarily responsible for gathering and analyzing credit information on current and potential borrowers and assisting loan officers in writing loan requests.
BankingFinanceFinancial Services
No H1B
Responsibilities
Inputs customer financial information into computerized spreadsheets and generates reports that depict financial trends and ratios
Analyzes credit data and financial statements to determine the degree of risk involved in extending credit or lending money
Prepares reports that include the degree of risk involved in extending credit or lending money
Analyze financial data such as income growth, trends, quality of financial management, and market share to help determine expected profitability of loans
Evaluates customer records based on earnings, savings data, payment history, and purchase activity. Confers with CPAs and borrowers, when cleared by Lender, to understand financial information submitted for loan requests
Generates financial ratios, including debt service coverage ratios, using computer programs, to evaluate customers' financial status
Works with Loan Officers to prepare loan requests for Loan Committee review, when requested
Serves as liaison between lenders and appraisers. Orders appraisals and evaluations, forwards appraisals and evaluations to Lenders when complete and submits invoices for payment
Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control
Adhere to Bank of the San Juans Company Core Values
Keeps management appropriately informed of area activities and of any significant problems
Participate in Community Service and Bank sponsored activities that serve and support the mission and values of the Bank of the San Juans
Provide superior internal and external customer service: must demonstrate self-governance, courtesy and respect toward external customers as well as internal customers (all organization personnel)
Complete required bank and BVS training courses within assigned time frame(s)
Represent Bank of the San Juans in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy. Attends and participates in meetings as required
Additional duties as requested or assigned
Qualification
Required
Combination of education and experience equivalent to a four-year college degree or completion of a specialized course of study at a business or trade school
One to two years of similar or related experience
Knowledge of bank loan services, policies, and procedures
Understanding of related legal and regulatory standards, and required loan documentation
General understanding of accounting concepts and terms, double-entry bookkeeping and balance sheet-income statement relationships
Excellent communication skills-written and verbal
Professional appearance and attitude
Strong analytical and financial skills
Ability to operate related computer applications, and other business equipment including calculators, typewriter, printer, and telephone
Ability to work with spreadsheet and word processing software
Preferred
Working knowledge of Moody's Analytic software or other financial spreading software
Benefits
Medical, dental, vision, and life insurance
Health savings account option
Employee Assistance Program (EAP)
Health rewards program
Retirement savings plan, including 401(k) and Profit-Sharing plans
Short and long-term disability benefits
Education and training benefits
Discounts on banking products and services
Generous Paid Time Off (PTO) plan
Paid holidays
Company
Bank of the San Juans
Bank Of The San Juans is a providing personal, business loans and other online banking services located in Durango.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Todd Young
Chief Business Development Officer
Company data provided by crunchbase