Credit Analyst II (CREDI013676)

This job was posted by https://www.arjoblink.arkansas.gov : For more information, please see: https://www.arjoblink.arkansas.gov/jobs/4713151 GENERAL DESCRIPTION OF POSITION The Credit Analyst II performs financial based analysis and underwriting of credits which is used by the bank to assess risk and monitor existing credits to entities or individuals. This position focuses on less complex relationships. ESSENTIAL DUTIES AND RESPONSIBILITIES 1. Create financial spreads within the bank lending operating system (nCino) using financial statements to find and review trends. This duty is performed daily, about 20% of the time. 2. Prepare reports designed to quantify borrowers' personal, global, and real estate cash flows/project analysis on an accurate and timely basis as assigned by their manager or other designated CA leader. This duty is performed daily, about 20% of the time. 3. Attend loan committee meetings when directed by management. This duty is performed as needed, about 10% of the time. 4. Verify accuracy of customers' borrowing base certificates for assets such as accounts receivable, inventory, and marketable securities. This duty is performed as needed, about 10% of the time. 5. Calculate financial ratios and monitor for compliance in accordance with customers' loan agreements regarding frequency and definitions of ratios or eligible collateral. This duty is performed as needed, about 10% of the time. 6. Review outgoing analysis prepared by the Credit Analyst I position. This duty is performed weekly, about 15% of the time. 7. Create credit memos and annual reviews, as defined in current department procedures. This duty is performed as needed, about 15% of the time. 8. The ability to work in a constant state of alertness and in a safe manner. This duty is performed daily. 9. Complete required BSA/AML training and other compliance training as assigned. 10. Perform any other related duties as required or assigned. \ QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. EDUCATION AND EXPERIENCE Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 4 years related experience and/or training, and 3 years related management experience, or equivalent combination of education and experience. COMMUNICATION SKILLS Ability to read, analyze, and understand general business/company related articles and professional journals; ability to speak effectively before groups of customers or employees. ability to write reports, business correspondence, and policy/procedure manuals; ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. Ability to read, analyze, and understand common scientific and technical journals, financial reports, and legal documents; ability to respond to complex or difficult inquiries or complaints from customers, regulatory agencies, or members of the business community. MATHEMATICAL SKILLS Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane, algebra, solid geometry and trigonometry. CRITICAL THINKING SKILLS Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS Not indicated. PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS Not indicated. SOFTWARE SKILLS REQUIRED Advanced: 10-Key, Accounting, Spreadsheet, Word Processing/Typing Intermediate: Alphanumeric Data Entry<