Busey
Overview
Credit Analyst II position at Busey. Provides accurate, timely, and succinct credit analysis to support portfolio management and new business development efforts. Responsibilities
Financial statement spreading and analysis, including calculation of Debt Service Coverage or Fixed Charge Coverage Ratios per Busey guidelines. Use financial data such as cash flow, liquidity, profitability, and leverage to determine and minimize the overall risk of extending credit to businesses and individuals. Perform file reviews of assigned requests to ensure complete information, communicate with loan team to discuss missing information, applicable questions and any loan structure suggestions or concerns. Prepare clear and concise Commercial Credit Approval Request (CCAR) memos with Commercial Relationship Managers or other Lending staff, identifying the strengths and weaknesses of the Borrower. Evaluate collateral, industry data and other relevant credit information. Assist with Portfolio Management duties, including testing financial covenants, monitoring monthly borrowing base reports, and preparing portfolio reviews and sensitive asset reports as assigned. Assist Commercial Relationship Managers with the preparation of opportunity memos for new and existing relationships. Develop a working knowledge of the Commercial Banking Loan Policy and systems, including nCino. Assist with other duties or special projects as assigned. Education & Experience
Knowledge Of
Strong oral and written communication skills Proficiency in Microsoft Office Suite Knowledge of financial accounting Ability To
Prioritize work flow, multi-task and work independently Analyze and solve problems Take independent action within established guidelines Perform duties under frequent time pressures with a high degree of accuracy and attention to detail Education And Training
Requires Bachelor’s degree with a concentration in Business or Finance. Requires 2 - 3 or more years of Commercial Credit experience. Requires knowledge of Microsoft Office. Benefits And Compensation
Salary offered is based on factors, including but not limited to the job duties, required qualifications and relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance. Base Pay Range: $53,641.00 - $72,282.00 Busey (FirsTech) provides a competitive Total Rewards package including 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company-paid life insurance and long-term disability, supplemental voluntary life insurance, wellness incentives and an employee assistance program. Eligible associates may take advantage of pre-tax health savings accounts and flexible spending accounts. Visit Busey (FirsTech) Total Rewards for more information. Equal Opportunity
Busey (FirsTech) values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. Busey is an Equal Opportunity Employer including Disability/Vets. Visit Busey.com/Careers for more information about Equal Opportunity Employment. Unsolicited Resumes
Busey Bank does not accept liability for fees for resumes from recruiters or employment agencies without a binding, written recruitment agreement. Busey may consider candidates submitted by an Agency with an Agreement in place. Agencies without an Agreement are requested not to contact Busey with recruiting inquiries or resumes.
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Credit Analyst II position at Busey. Provides accurate, timely, and succinct credit analysis to support portfolio management and new business development efforts. Responsibilities
Financial statement spreading and analysis, including calculation of Debt Service Coverage or Fixed Charge Coverage Ratios per Busey guidelines. Use financial data such as cash flow, liquidity, profitability, and leverage to determine and minimize the overall risk of extending credit to businesses and individuals. Perform file reviews of assigned requests to ensure complete information, communicate with loan team to discuss missing information, applicable questions and any loan structure suggestions or concerns. Prepare clear and concise Commercial Credit Approval Request (CCAR) memos with Commercial Relationship Managers or other Lending staff, identifying the strengths and weaknesses of the Borrower. Evaluate collateral, industry data and other relevant credit information. Assist with Portfolio Management duties, including testing financial covenants, monitoring monthly borrowing base reports, and preparing portfolio reviews and sensitive asset reports as assigned. Assist Commercial Relationship Managers with the preparation of opportunity memos for new and existing relationships. Develop a working knowledge of the Commercial Banking Loan Policy and systems, including nCino. Assist with other duties or special projects as assigned. Education & Experience
Knowledge Of
Strong oral and written communication skills Proficiency in Microsoft Office Suite Knowledge of financial accounting Ability To
Prioritize work flow, multi-task and work independently Analyze and solve problems Take independent action within established guidelines Perform duties under frequent time pressures with a high degree of accuracy and attention to detail Education And Training
Requires Bachelor’s degree with a concentration in Business or Finance. Requires 2 - 3 or more years of Commercial Credit experience. Requires knowledge of Microsoft Office. Benefits And Compensation
Salary offered is based on factors, including but not limited to the job duties, required qualifications and relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance. Base Pay Range: $53,641.00 - $72,282.00 Busey (FirsTech) provides a competitive Total Rewards package including 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company-paid life insurance and long-term disability, supplemental voluntary life insurance, wellness incentives and an employee assistance program. Eligible associates may take advantage of pre-tax health savings accounts and flexible spending accounts. Visit Busey (FirsTech) Total Rewards for more information. Equal Opportunity
Busey (FirsTech) values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. Busey is an Equal Opportunity Employer including Disability/Vets. Visit Busey.com/Careers for more information about Equal Opportunity Employment. Unsolicited Resumes
Busey Bank does not accept liability for fees for resumes from recruiters or employment agencies without a binding, written recruitment agreement. Busey may consider candidates submitted by an Agency with an Agreement in place. Agencies without an Agreement are requested not to contact Busey with recruiting inquiries or resumes.
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