Credit Analyst

Summary

Join Banner Bank as a Credit Analyst and perform credit analysis, preparing approval packages for commercial loans. Investigate credit and financial information for clients, analyze financial statements, and prepare credit proposals. Comply with policies, procedures, and regulations. This role requires a Bachelor's degree, 2+ years of credit/financial analytics experience, and strong analytical and communication skills. Ag credit analysis is preferred. Banner Bank offers competitive compensation, comprehensive benefits (medical, dental, vision, LTD, STD, life insurance), paid time off, a 401k match, and tuition reimbursement.

Requirements

• Bachelor's Degree: Accounting, Business, Economics, Law, Computer Science or other related field required (an equivalent combination of education and experience may be considered)
• 2 or more years of related credit/financial analytics experience required
• Ability to analyze financial statements, tax returns, and cash flows
• Possess knowledge of credit investigations
• Possess strong analytical skills and knowledge of basic accounting principles
• Ability to accurately produce high volumes of work while adapting to changing situations and interruptions in a high pressure, deadline driven environment
• Possess effective and professional verbal and written communication skills
• Knowledge of federal and state laws and regulations relating to commercial lending
• Proficient in Excel, Word, and applicable systems

Responsibilities

• Responsible for investigating credit and financial information on prospective and existing clients
• Analyze business/personal financial statements, collateral support, and sources of repayment for new, renewed, and existing loans
• Prepare spreadsheets, credit proposals for complex credits, summaries, and opinions for loan decision makers
• Responsible for complying with policies, procedures, security requirements, and government regulations

Preferred Qualifications

Ag credit analysis preferred

Benefits

• Comprehensive employee benefits, including medical, dental, vision, LTD, STD and life
• Paid vacation time, sick time, personal days, paid volunteer time and 11 company paid holidays
• 401k (up to 4% match with immediate vesting)
• Tuition reimbursement up to $5,250 annually (minimum service requirement)