Credit Analyst III
3.
5 Full-time 1 day ago Full Job Description If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal.
This position can be located in Cedar Rapids and North Liberty.
What's Important to You We know your career is just one aspect of a meaningful, complex, and demanding life.
That's why we designed our compensation and benefits package to provide employees and their families with as much choice as possible.
Accrue and use your paid time off (PTO) immediately - no waiting period - plus paid federal holidays in addition to PTO.
To assist employees in paying down student loan debt, we will make monthly payments of $100 directly to eligible loan service providers on behalf of our employees until the loan is paid off.
Our retirement plan is one of the best in the region, including a 6% employer match on your 401(k).
Employees (including temporary) scheduled to work 20 or more hours per week are automatically enrolled day one.
The health and happiness of the places we call home matter to us.
Learn a little more about what we do for the communities we serve, and why we want YOU to be a part of it.
We encourage you to apply.
Reach for what you want, and tell us why your work ethic and willingness to learn make you a natural fit for #TeamFirstInterstate.
SUMMARY Assist loan officers in gathering and evaluating credit information on current and prospective customers, preparing written reports of analysis.
This position also assists in the training and mentoring of other Credit Analysts.
ESSENTIAL DUTIES & RESPONSIBILITIES include the following:
other duties may be assigned.
Reads and understands financial statements.
Reviews pertinent credit and financial information, including financial statements, tax returns, credit bureau reports, bank reports, and other company reports.
Accurately inputs financial data on PC-Based software to generate financial spreadsheet.
Analyzes findings and prepares in written report.
Identifies trends and determines key questions.
Reviews irregular financial information with loan officers.
Identifies potential risks in the credit.
Identifies mitigating factors in the credit.
Identifies potential products and communicates findings to loan officer, wealth management advisor, and cash management rep.
Accurately identifies and analyzes available collateral.
Makes risk rating recommendations.
Understands loan structures and makes recommendations on loan structure.
Has a strong understanding of First Interstate Bank's Loan Policy.
Ability to accurately underwrite complicated borrower relationships of all sizes.
Completes annual term loan reviews.
Reviews documentation of files on a regular basis.
Aids in the completion of Relationship Reviews.
Effectively communicates with loan officers and other credit analysts.
Assists with Problem Loan Status Reports as needed.
Identifies potential problem loans.
Assists in the training and mentoring of other Credit Analysts.
Assist in the implementation and training of new software products for commercial loan analysis and the commercial lending function.
Is a resource to loan officers for loan structures and underwriting recommendations.
May accompany loan officers on customer calls and collateral inspections.
QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
The requirements listed below are representative of the knowledge, skill, and/or ability required.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION &/or EXPERIENCE B.
A.
degree in Business, Finance or related field from a four-year college or university; a minimum of eight years banking experience or equivalent combination of education and experience.
Minimum of five years' experience in a similar position.
Commercial banking experience preferred.
OTHER SKILLS & ABILITIES Computer skills with knowledge of Word, Excel and familiarity with Internet.
Have some background in farm and ranch operation preferred.
LANGUAGE SKILLS Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
Ability to write reports, business correspondence, and procedure manuals.
Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
MATHEMATICAL SKILLS Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry.
Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
REASONING ABILITY Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.
Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
PHYSICAL DEMANDS While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; and talk or hear.
The employee is occasionally required to stand; walk; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl.
The employee must occasionally lift and/or move up to 10 pounds.
Specific vision abilities required by this job include close vision, and distance vision.
WORK ENVIRONMENT The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal.
.
Estimated Salary: $20 to $28 per hour based on qualifications.
5 Full-time 1 day ago Full Job Description If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal.
This position can be located in Cedar Rapids and North Liberty.
What's Important to You We know your career is just one aspect of a meaningful, complex, and demanding life.
That's why we designed our compensation and benefits package to provide employees and their families with as much choice as possible.
Accrue and use your paid time off (PTO) immediately - no waiting period - plus paid federal holidays in addition to PTO.
To assist employees in paying down student loan debt, we will make monthly payments of $100 directly to eligible loan service providers on behalf of our employees until the loan is paid off.
Our retirement plan is one of the best in the region, including a 6% employer match on your 401(k).
Employees (including temporary) scheduled to work 20 or more hours per week are automatically enrolled day one.
The health and happiness of the places we call home matter to us.
Learn a little more about what we do for the communities we serve, and why we want YOU to be a part of it.
We encourage you to apply.
Reach for what you want, and tell us why your work ethic and willingness to learn make you a natural fit for #TeamFirstInterstate.
SUMMARY Assist loan officers in gathering and evaluating credit information on current and prospective customers, preparing written reports of analysis.
This position also assists in the training and mentoring of other Credit Analysts.
ESSENTIAL DUTIES & RESPONSIBILITIES include the following:
other duties may be assigned.
Reads and understands financial statements.
Reviews pertinent credit and financial information, including financial statements, tax returns, credit bureau reports, bank reports, and other company reports.
Accurately inputs financial data on PC-Based software to generate financial spreadsheet.
Analyzes findings and prepares in written report.
Identifies trends and determines key questions.
Reviews irregular financial information with loan officers.
Identifies potential risks in the credit.
Identifies mitigating factors in the credit.
Identifies potential products and communicates findings to loan officer, wealth management advisor, and cash management rep.
Accurately identifies and analyzes available collateral.
Makes risk rating recommendations.
Understands loan structures and makes recommendations on loan structure.
Has a strong understanding of First Interstate Bank's Loan Policy.
Ability to accurately underwrite complicated borrower relationships of all sizes.
Completes annual term loan reviews.
Reviews documentation of files on a regular basis.
Aids in the completion of Relationship Reviews.
Effectively communicates with loan officers and other credit analysts.
Assists with Problem Loan Status Reports as needed.
Identifies potential problem loans.
Assists in the training and mentoring of other Credit Analysts.
Assist in the implementation and training of new software products for commercial loan analysis and the commercial lending function.
Is a resource to loan officers for loan structures and underwriting recommendations.
May accompany loan officers on customer calls and collateral inspections.
QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
The requirements listed below are representative of the knowledge, skill, and/or ability required.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION &/or EXPERIENCE B.
A.
degree in Business, Finance or related field from a four-year college or university; a minimum of eight years banking experience or equivalent combination of education and experience.
Minimum of five years' experience in a similar position.
Commercial banking experience preferred.
OTHER SKILLS & ABILITIES Computer skills with knowledge of Word, Excel and familiarity with Internet.
Have some background in farm and ranch operation preferred.
LANGUAGE SKILLS Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
Ability to write reports, business correspondence, and procedure manuals.
Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
MATHEMATICAL SKILLS Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry.
Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
REASONING ABILITY Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.
Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
PHYSICAL DEMANDS While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; and talk or hear.
The employee is occasionally required to stand; walk; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl.
The employee must occasionally lift and/or move up to 10 pounds.
Specific vision abilities required by this job include close vision, and distance vision.
WORK ENVIRONMENT The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal.
.
Estimated Salary: $20 to $28 per hour based on qualifications.
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