- Professional
- Oficina en Des Moines
Additional Considerations (if any):
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At Midwest Heritage, the core of our culture is taking care of the customer and taking care of each other. Our employees appreciate that their contributions make a direct impact on the success of our business as well as their own personal and professional growth.
Midwest Heritage
Job Title: Credit Analyst II
Department: Banking
FLSA: Exempt
General Function
The Credit Analyst II is responsible for conducting basic to moderately complex credit analysis consisting of gathering, analyzing and interpreting credit information for existing and prospective customers in order to assess credit quality and to minimize risk and potential loss on commercial, real estate, agricultural, non-profit and personal loans.
Core Competencies
Detail Oriented
Strong Communication
Time Management
Administrative Duties
Analytical and Critical Thinking
Reporting Relations
Accountable and Reports to: Senior Credit Officer
Positions that Report to you: None
Primary Duties and Responsibilities:
Analyze, evaluate and assess financial statements and other related data/information including projections, sensitivity analysis, cash flow, repayment collateral, loan relationships, problem credits, etc. to determine credit worthiness of general to complex credits per loan policy.
Obtain information from customers and vendors. Present loan presentations to lender and/or assist with presentation to loan committee.
Identify risks and make recommendations to lenders regarding findings and working with customers, issues, data, etc.
Evaluate and monitor various industries, market trends, economic risks, and other related factors and make recommendations to lender and/or loan committee including ways to improve risk management processes.
Prepare and present credit write-up. This will include a summary of credit risks, identification of loan policy exceptions, proposed improvements to loan structure, and assessment of the loan rating.
Mentors and trains less experienced peers.
Knowledge, Skills, Abilities, and Worker Characteristics:
Commitment to the Midwest Heritage mission and willingness to promote the values of the organization.
Strong organizational and time management skills with the ability to prioritize multiple tasks and meet deadlines.
Proficient computer skills. Microsoft Office preferred (Outlook, Power Point, Excel and Word.)
Good verbal and written communication skills.
Strong interpersonal skills; ability to relate to and interact with people in a friendly, professional manner.
Strong detail orientation including the ability to review forms for accuracy and completeness.
Education and Experience:
Bachelor’s Degree in Accounting, Finance, Business or related field. 2+ years’ experience in credit administration and risk analysis. Formal credit administration training preferred.
Physical Requirements:
This position is classified sedentary/light and requires the ability to sit for long periods of time.
Visual requirements include the ability to see detail at near range with or without correction.
Must be able to perform the following physical activities: sitting for long periods, talking (in person and by telephone), hearing and repetitive motions.
Working Conditions:
The duties of this position are normally performed in a general office setting. This is a fast-paced work environment.
There is frequent pressure to meet deadlines and handle multiple projects in a day.
Equipment Used to Perform Job:
Computer (PC with Microsoft Office programs), telephone, calculator, telephone, copier, fax, and printer.
Contacts:
This position works with Midwest Heritage employees, bank customers, Hy-Vee employees, vendors and outside agents doing direct business with Midwest Heritage.
Confidentiality:
This position has the responsibility to protect the privacy and confidentiality of customers, employees and bank/insurance/financial information at all times.
