Job Description
Availa Bank
Description:
Bank Credit Analyst I
Job Type: Full-time
Department: Credit
Reports To: Senior Credit Officer
Position Status: Non-exempt
EEO/AA employer
Availa Bank believes our people make a difference and we recognize that individual differences and experiences strengthen our teams. Each member of our team is empowered to inspire and enable our clients and the communities we serve to achieve financial success. Click the Apply link to find out more.
This is not a remote position.
BANK CREDIT ANALYST I POSITION SUMMARY
This position is responsible for assisting lenders in assessing risk in the loan portfolio and ensuring strong compliance to loan policy as outlined by the bank.
BENEFITS:
Availa Bank offers a rich selection of benefits you can personalize to support you and your family's needs. Benefits may include:
• Medical, Dental & Vision Plans
• Option for Health Savings Account (HSA)
• Life Insurance (Company paid for employee)
• 401K and Employee Stock Ownership Plan (ESOP)
• Company Paid Short & Long Term Disability Insurance
• Flexible Spending Account (FSA) & Dependent Care
• Eligibility for Tuition Assistance and Discounts
• Employee Assistance Program (EAP)
BANK CREDIT ANALYST I PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES
• Assist loan officers in the approval of credit and ensure proper risk rating per bank policy
• Make recommendations as to the inherent risks of extending credit to each customer
• Evaluation of risks associated with loan applications
• Risk must be understood and communicated to ensure credit exposure is kept to a minimum and in line with the organization's limit on risk bearing
• Analyze financial information, such as statements, management accounts and cash flow statements
• Develop models of credit information to predict patterns and trends
• Maintain credit financials for proper documentation and to ensure closed files are pulled, stored and/or destroyed per policyRequirements:
BANK CREDIT ANALYST I ROLE QUALIFICATIONS:
Education
• Bachelor's degree in Finance/Business Administration or related field preferred or an equivalent of combined education and relevant work experience
Experience
• Accounting or banking experience preferred
• Experience with loan policies and procedures
Other Skills and Abilities
• Strong background, or an ability to learn, principles in risk management
• Strong math skills; add, subtract, multiply and divide in all units of measure
• Exceptional oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, understand procedures, write reports and correspondence, speak clearly to customers and employees
• Exceptional organizational and time management skills; ability to function well in a fast-paced environment
• Travel to/from and work in multiple locations
• Must have a valid driver's license and reliable transportation
PM21
Description:
Bank Credit Analyst I
Job Type: Full-time
Department: Credit
Reports To: Senior Credit Officer
Position Status: Non-exempt
EEO/AA employer
Availa Bank believes our people make a difference and we recognize that individual differences and experiences strengthen our teams. Each member of our team is empowered to inspire and enable our clients and the communities we serve to achieve financial success. Click the Apply link to find out more.
This is not a remote position.
BANK CREDIT ANALYST I POSITION SUMMARY
This position is responsible for assisting lenders in assessing risk in the loan portfolio and ensuring strong compliance to loan policy as outlined by the bank.
BENEFITS:
Availa Bank offers a rich selection of benefits you can personalize to support you and your family's needs. Benefits may include:
• Medical, Dental & Vision Plans
• Option for Health Savings Account (HSA)
• Life Insurance (Company paid for employee)
• 401K and Employee Stock Ownership Plan (ESOP)
• Company Paid Short & Long Term Disability Insurance
• Flexible Spending Account (FSA) & Dependent Care
• Eligibility for Tuition Assistance and Discounts
• Employee Assistance Program (EAP)
BANK CREDIT ANALYST I PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES
• Assist loan officers in the approval of credit and ensure proper risk rating per bank policy
• Make recommendations as to the inherent risks of extending credit to each customer
• Evaluation of risks associated with loan applications
• Risk must be understood and communicated to ensure credit exposure is kept to a minimum and in line with the organization's limit on risk bearing
• Analyze financial information, such as statements, management accounts and cash flow statements
• Develop models of credit information to predict patterns and trends
• Maintain credit financials for proper documentation and to ensure closed files are pulled, stored and/or destroyed per policyRequirements:
BANK CREDIT ANALYST I ROLE QUALIFICATIONS:
Education
• Bachelor's degree in Finance/Business Administration or related field preferred or an equivalent of combined education and relevant work experience
Experience
• Accounting or banking experience preferred
• Experience with loan policies and procedures
Other Skills and Abilities
• Strong background, or an ability to learn, principles in risk management
• Strong math skills; add, subtract, multiply and divide in all units of measure
• Exceptional oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, understand procedures, write reports and correspondence, speak clearly to customers and employees
• Exceptional organizational and time management skills; ability to function well in a fast-paced environment
• Travel to/from and work in multiple locations
• Must have a valid driver's license and reliable transportation
PM21
💡 Quick Summary
Seeking a career-building opportunity? The Bank Credit Analyst I position is now open for candidates interested in the Bank Jobs sector. This role in Sioux City offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
