Credit Analyst - Owensboro, KY

Credit Analyst

*Position is not eligible for remote work.

Job Code CREDANL

Job Family

Supervisory No

Job Summary

The Credit Analyst will conduct credit investigations and analyze credit information pertaining to loans. This position evaluates the credit-worthiness of borrowers and determines the likelihood that a borrower will be able to meet financial obligations and pay back a loan by reviewing the borrower's financial history and projecting future income.

Essential Functions, Duties and Responsibilities include, but are not limited to:

• Investigates and reviews all available sources of credit and financial information for individuals and companies including, but not limited to, company audits, tax returns, and management prepared statements; individual tax returns and financial statements; and farm analysis statements

• Interprets and enters financial information into software system

• Researches and examines credit risks, evaluates customer credit reports

• Analyzes financial information to predict patterns and trends, often projecting future income

• Determines customer’s cash flow and risk profile according to Bank credit policy

• Prepares spreads, creates cash flow spreadsheets, presents facts, and offers opinions concerning credit-worthiness

• Assists lenders in gathering and interpreting financial information from customers, accountants, and bookkeepers

• Scans work papers, maintains customer information files, and works log

• Maintains knowledge of available financial and loan products, processing procedures, and underwriting guidelines

Education, Experience and Qualifications

Education

Required/Preferred

Education Level

Description

Required

High School or GED

Preferred

Bachelors Degree

Degree in finance, accounting, or related field preferred

Years of Experience

Minimum

Comments

2

A minimum of two (2) years of experience in finance, accounting, or related field preferred

License / Certification

Required/Preferred

License / Certification

Description

Additional Qualifications

• Computer experience required; experience with Microsoft Excel required

Core Competencies

• Analytical thinking skills

• Mathematical skills

• Knowledge of finance and accounting concepts and practices

• Oral and written communication skills

• Time management skills and ability to meet deadlines

• Ability to multi-task

• Computer skills

• Detail-oriented

Working Conditions

Working Conditions

Indoors, environmentally controlled. Usual office working conditions. The noise level in the work environment is typical of most office environments with telephones, personal interruptions, and background noises.

Travel Requirements

Requirement

Frequency

No travel required

Never or Rarely

Mandatory Vacation

Mandatory vacation not required

Physical Requirements

Requirement

Frequency

Sitting (remaining in a seated position)

Constantly

Standing (remaining on one’s feet in an upright position without moving about)

Occasionally

Walking (moving about on one’s feet)

Occasionally

Lifting (raising or lowering an object from one level to another)

Never or Rarely

Carrying (transporting an object, usually by holding it in the hands or arms or on the shoulder)

Occasionally

Pushing/Pulling (exerting force upon an object so that the object moves away or toward the force)

Never or Rarely

Reaching (extending hand(s) and arm(s) in any direction, such as overhead, below waist, forward or lateral)

Never or Rarely

Keyboarding (entering text or data using computer keyboard or 10-key numeric keyboard)

Constantly

Pinching/Gripping (seizing, holding, grasping, turning or otherwise working with the hand(s) or fingers)

Occasionally

Stooping (bending downward and forward by bending spine at the waist)

Never or Rarely

Squatting/Crouching (bending body downward and forward by bending legs and spine)

Never or Rarely

Kneeling (bending legs at knees to come to rest on knee(s))

Never or Rarely

Crawling (moving about on hand and knees or hands and feet)

Never or Rarely

Climbing (ascending or descending ladders, stairs, ramps)

Never or Rarely

Speaking (expressing or exchanging ideas by means of the spoken word to impart oral information to customers and to convey detailed spoken instructions accurately, loudly, or quickly)

Occasionally

Hearing (the ability to hear, understand, and distinguish speech, either in person or telephonically)

Occasionally

Near Visual Acuity (clarity of vision at approximately 20 inches or less)

Frequently

Far Visual Acuity (clarity of vision at approximately 20 feet or more)

Occasionally

Additional Physical Requirements