MidWestOne Bank

Credit Analyst I

Status
Non-Exempt
Type
Full-Time
102 South Clinton Street
Iowa City
IA
Benefits Package
Yes - Full Time Package

Overview

Credit Analyst I   

 

Responsible for performing credit analysis assignments related to the pre-funding development, analysis and underwriting functions of commercial credits.

Responsibilities

ESSENTIAL DUTIES AND RESPONSIBILITIES:

  • Spread financial statements using Lending Cloud, the bank’s commercial credit analysis software, as needed.
  • Prepare annual credit reviews for existing commercial customers. The reviews would include financial analysis of tax returns, company prepared statements and audits along with any changes that may have occurred since the previous review.
  •    Assess total risk pertaining to requests for new or additional credit by new or existing customers, primarily through the analysis of financial statements and credit history.
  • Analyze industry trends which may or may not raise potential concerns.
  • Complete impairment worksheets used by bank management to assess potential loan losses.
  • Compile board reports primarily through the use of Microsoft Excel
  • Prepare loan presentations for use by lending officers or committees to make lending decisions on new credit approvals and renewals.

 

 

Qualifications

Bachelor's degree from four-year College or University in business required; or one to three years related experience and/or training in a lending, credit analyst, or regulatory role; or equivalent combination of education and experience.

 

At MidWestOne Bank diversity is embraced and we are committed to equal employment opportunity regardless of race, color, religion, sex, national origin, sexual orientation, gender identity, creed, Veteran status, disability, or any other legally protected status.  If you have a disability or special need that requires accommodation, please let us know. 

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