Credit Analyst

About BTC Bank

BTC Bank is a community bank founded on the traditional values of personal customer service. Our continued tradition of serving our friends and neighbors with courteous, professional banking services maintains its standard of excellence today. We strongly support our local communities. We are proud of the roots of our past and prepared for the growth in our future.

Work Location: This position can be based at any of our BTC Bank locations.

Hours: 40 hours per week, including Saturday rotation

Job Purpose: Evaluates the financial condition of individuals and businesses applying for credit with the financial institution. Prepares spreadsheets, reports, summaries and opinions for institution officers on new, renewal, and existing loans.

Duties and Responsibilities:

• Responsible for analyzing and monitoring the creditworthiness of the bank’s customers. Analyzes financial statements, tax returns and bank references to evaluate the financial condition of individuals and businesses applying for credit with the bank.
• Obtains loan request information from the agricultural lender or borrower to analyze credit information, financial statements and other related information pertaining to the loan.
• Researches background documentation and reviews personal and business financial statements and tax returns.
• Analyzes financial information and prepares the preliminary analysis for the lender.
• Uses Moody's software to spread financial statements, analyzes borrower financial information and support the preparation of credit analyses.
• Requests and obtains financial statements from existing borrowers.
• Reviews and prepares written analyses, spreadsheets, reports, summaries and opinions. Prepares or assists in the preparation of loan memoranda for presentation to lenders and/or loan committees.
• Reviews loan files to ensure completeness and that all collateral has been properly secured.
• Assists lenders with calls on past-due loans as assigned by senior management with the bank’s loan portfolio.
• Updates collateral values as needed on delinquent loans.
• Follows all applicable laws and regulations.
• Other duties as assigned.

Qualifications:

• Bachelor’s degree in Accounting, Finance, Agriculture or a related field highly preferred.
• Experience with Moody's credit analysis software is highly preferred.
• Three to five years of related credit analyst experience and/or training.
• Excellent financial analysis skills with sound judgment and decision-making abilities.
• Advanced knowledge of commercial, agricultural, construction, real estate and consumer loan processing.

Physical Requirements:

• Ability to safely and successfully perform the essential job functions consistent with the ADA, FMLA and other federal, state and local standards, including meeting qualitative and/or quantitative productivity standards.
• Ability to maintain regular, punctual attendance consistent with the ADA, FMLA and other federal, state and local standards.

EOE/Veterans/Disabled

To learn more about BTC Bank visit www.btcbank.bank