Credit Analyst II

Centennial Bank•Conway, AR

19h

About The 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.

Requirements

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.
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.
Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane, algebra, solid geometry and trigonometry.
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.
Advanced: 10-Key, Accounting, Spreadsheet, Word Processing/Typing
Intermediate: Alphanumeric Data Entry
Four (4) years of related experience and/or training
Three (3) years of related management or supervisory experience
Analytically minded and possessing good judgment
Proficient in Microsoft Word and Excel

Responsibilities

Create financial spreads within the bank lending operating system (nCino) using financial statements to find and review trends.
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.
Attend loan committee meetings when directed by management.
Verify accuracy of customers' borrowing base certificates for assets such as accounts receivable, inventory, and marketable securities.
Calculate financial ratios and monitor for compliance in accordance with customers' loan agreements regarding frequency and definitions of ratios or eligible collateral.
Review outgoing analysis prepared by the Credit Analyst I position.
Create credit memos and annual reviews, as defined in current department procedures.
The ability to work in a constant state of alertness and in a safe manner.
Complete required BSA/AML training and other compliance training as assigned.
Perform any other related duties as required or assigned.