Credit Analyst Lead

Job Duties

• Complete and train others on an interpretive analysis of financial statements for loan relationships and prepare loan presentations for the successful approval of commercial and agriculture loans. This includes developing credit information for use by lending officers or committees in making lending decisions on new, renewal and extension loans.

• Review and analyze all pertinent credit and financial information, including credit bureau reports, financial reports, cash flow analysis, ratio analysis, and reports information to lending officers.

• Will maintain primary responsibility for the credit analyst pipeline and effective communication of status and trending of workload volumes.

• May additionally perform administrative duties as it relates to supporting Moody’s Lending cloud for all uses in Credit Administration. This may include reviewing current uses of the system, proposing changes to the system, and consulting with others when challenges arise.

• Will directly supervise a team of credit analysts and on occasion fill in for the Director of Credit Administration when it comes to all things credit analysis.

• Attends customer calls with lending officers from time to time as requested

• Regular and dependable attendance is an essential function of this job.

• Employee will be expected to contribute to a positive working environment through words and actions.

• Employee will be expected to greet internal and external customers in a friendly and outgoing manner.

• Employee will be expected to take responsibility to insure that internal and external customers receive outstanding customer service.

• Employee may be asked to perform other duties as required by business needs.

• Employee will be expected to complete compliance and product knowledge assignments in a timely manner.

Minimum Education Required

7-10 year’s experience in lending, underwriting, accounting, or trend analysis required with additional background in either a Commercial or Agriculture lending environment preferred. Prefer A BS/BA Degree, preferably in Accounting or Finance preferred. Must have strong verbal and written communication skills, a positive and helpful attitude and be able to work to meet aggressive deadlines.

Minimum Experience Required

7-10 year’s experience in lending, underwriting, accounting, or trend analysis required with additional background in either a Commercial or Agriculture lending environment preferred. Prefer A BS/BA Degree, preferably in Accounting or Finance preferred. Must have strong verbal and written communication skills, a positive and helpful attitude and be able to work to meet aggressive deadlines.

Shift

First (Day)

Number of Openings

1

Compensation

$

Postal Code

55987

Job Type

Full Time

Place of Work

On-site

Requisition ID

52522

Job Benefits

Merchants Bank offers competitive wages and benefits for our full-time employees including health, dental, life, disability and vision insurance; flexible spending accounts, 401(k) and ESOP retirement plans; bonus plan; paid time off; tuition reimbursement; and a variety of voluntary supplemental insurance options.