First Bank & Trust
Overview
Senior Credit Analyst at First Bank & Trust. This role reviews loans in accordance with the bank's Loan Policy and Guidelines and requires extensive understanding of commercial and agricultural credits, with the ability to make recommendations to minimize the bank's exposure and ensure lending practices conform to policy. Responsibilities
Analyze and risk-rate complex credit lines and critique credit classifications assigned by Loan Officers, aligning analyses with findings from appropriate regulatory agencies. Spread, analyze, and review financial statements for highly complex current and prospective borrowers across various industries using tax returns, financial statements, credit reports, and other data; calculate cash flow for complex borrowers and guarantors; perform projections, trends, and ratio analyses; summarize and present findings in the bank's written credit presentation. Prepare annual reviews on borrowing relationships in accordance with loan policy. Analyze intricate credit requests for the SBA portfolio. Monitor covenant compliance with loan agreements. Provide mentoring and training to less experienced staff. Present loan files or credit lines not meeting policy standards to the Credit Analyst Manager or Loan Officer with detailed explanations of exceptions and recommended actions. Communicate with Loan Officers and Credit Analyst Manager to correct discrepancies or address potential credit weaknesses, and follow up as necessary. Attend Loan Committee meetings where credit lines are presented for final approval and recommended action. Perform services and projects for the department and the bank as needed, and participate in management meetings to influence ongoing operations. Act in accordance with bank policies and procedures and participate in required compliance training. Qualifications
Bachelor’s degree plus ten years of work-related experience or the equivalent. Strong proficiency in project management, good communication skills, attention to detail, and understanding of all Loan Policy and Guidelines. Compensation and Benefits
The anticipated salary range for this role is between $77,776.04 and $127,397.66. This range is a good faith estimate; actual compensation may differ based on experience, training, skills, location, and other factors. The role may include incentive compensation based on individual performance. Benefits may include Medical, Dental, Vision insurance, Health Savings Accounts, 401(k)/ESOP, Paid Time Off, Flexible Work Arrangements, Paid Parental Leave, and Student Loan Repayment Assistance. First Bank & Trust is an Equal Opportunity, Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, or status as a protected veteran. Readers may request reasonable accommodations for the application or interview process by contacting Human Resources.
#J-18808-Ljbffr
Senior Credit Analyst at First Bank & Trust. This role reviews loans in accordance with the bank's Loan Policy and Guidelines and requires extensive understanding of commercial and agricultural credits, with the ability to make recommendations to minimize the bank's exposure and ensure lending practices conform to policy. Responsibilities
Analyze and risk-rate complex credit lines and critique credit classifications assigned by Loan Officers, aligning analyses with findings from appropriate regulatory agencies. Spread, analyze, and review financial statements for highly complex current and prospective borrowers across various industries using tax returns, financial statements, credit reports, and other data; calculate cash flow for complex borrowers and guarantors; perform projections, trends, and ratio analyses; summarize and present findings in the bank's written credit presentation. Prepare annual reviews on borrowing relationships in accordance with loan policy. Analyze intricate credit requests for the SBA portfolio. Monitor covenant compliance with loan agreements. Provide mentoring and training to less experienced staff. Present loan files or credit lines not meeting policy standards to the Credit Analyst Manager or Loan Officer with detailed explanations of exceptions and recommended actions. Communicate with Loan Officers and Credit Analyst Manager to correct discrepancies or address potential credit weaknesses, and follow up as necessary. Attend Loan Committee meetings where credit lines are presented for final approval and recommended action. Perform services and projects for the department and the bank as needed, and participate in management meetings to influence ongoing operations. Act in accordance with bank policies and procedures and participate in required compliance training. Qualifications
Bachelor’s degree plus ten years of work-related experience or the equivalent. Strong proficiency in project management, good communication skills, attention to detail, and understanding of all Loan Policy and Guidelines. Compensation and Benefits
The anticipated salary range for this role is between $77,776.04 and $127,397.66. This range is a good faith estimate; actual compensation may differ based on experience, training, skills, location, and other factors. The role may include incentive compensation based on individual performance. Benefits may include Medical, Dental, Vision insurance, Health Savings Accounts, 401(k)/ESOP, Paid Time Off, Flexible Work Arrangements, Paid Parental Leave, and Student Loan Repayment Assistance. First Bank & Trust is an Equal Opportunity, Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, or status as a protected veteran. Readers may request reasonable accommodations for the application or interview process by contacting Human Resources.
#J-18808-Ljbffr