Credit Analyst 2
Company: Bank of the San Juans
Posted on: September 21, 2022
About the Role: Seeking an EXPERIENCED Credit Analyst to join
our One Big Happy Little Bank. This position is primarily
responsible for gathering and analyzing credit information on
current and potential borrowers; provides data to determine the
advisability of granting credit for diversified types of loans;
assists loan officers in writing loan requests. Assists Lenders by
ordering appraisals and evaluations and submits related invoices
for payment. The salary range for this position is
$51,500.00-$55,000.00 per year. All compensation offers are
analyzed individually and take into consideration multiple factors
including but not limited to geographic location, years of
experience, and educational background. Bank Happy. Work Happy.
Right Here. DUTIES AND RESPONSIBILITIES: Inputs customer financial
information into computerized spreadsheets and generates reports
that depict financial trends and ratios.
Analyzes credit data and financial statements to determine the
degree of risk involved in extending credit or lending money.
Prepares reports that include the degree of risk involved in
extending credit or lending money.
Analyze financial data such as income growth, trends, quality of
financial management, and market share to help determine expected
profitability of loans.
Evaluates customer records based on earnings, savings data, payment
history, and purchase activity. Confers with CPAs and borrowers,
when cleared by Lender, to understand financial information
submitted for loan requests.
Generates financial ratios, including debt service coverage ratios,
using computer programs, to evaluate customers' financial
Works with Loan Officers to prepare loan requests for Loan
Committee review, when requested
Serves as liaison between lenders and appraisers. Orders appraisals
and evaluations, forwards appraisals and evaluations to Lenders
when complete and submits invoices for payment. Additional
Responsibilities Must comply with applicable laws and regulations,
including but not limited to, the Bank Secrecy Act, the Patriot
Act, and the Office of Foreign Assets Control.
Adhere to Bank of the San Juans Company Core Values.
Keeps management appropriately informed of area activities and of
any significant problems.
Participate in Community Service and Bank sponsored activities that
serve and support the mission and values of the Bank of the San
Provide superior internal and external customer service: must
demonstrate self-governance, courtesy and respect toward external
customers as well as internal customers (all organization
Complete required bank and BVS training courses within assigned
Represent Bank of the San Juans in a professional manner which
includes a professional image, confidentiality, a positive "can-do"
attitude, good attendance, punctuality, flexibility and
adaptability in meeting bank and customer needs. Keep work area
tidy and maintain customer privacy. Attends and participates in
meetings as required.
Additional duties as requested or assigned.
About You: QUALIFICATIONS: Combination of education and experience
equivalent to a four-year college degree or completion of a
specialized course of study at a business or trade school.
Two to five years of similar or related experience, including time
spent in preparatory positons. KNOWLEDGE, SKILL, ABILITY: Knowledge
of bank loan services, policies, and procedures (preferred).
Understanding of related legal and regulatory standards, and
required loan documentation. General understanding of accounting
concepts and terms, double-entry bookkeeping and balance
sheet-income statement relationships. Working knowledge of Moody's
Analytic software or other financial spreading software is
Excellent communication skills-written and verbal.
Professional appearance and attitude.
Strong analytical and financial skills.
Ability to operate related computer applications, and other
including calculators, typewriter, printer, and telephone. Ability
to work with spreadsheet and word processing software. WORK
ENVIRONMENT: Must be able to routinely perform work indoors in
climate-controlled shared work area with moderate noise level.
PHYSICAL DEMANDS: The physical demands described here are
representative of those that must be met by an employee to
successfully perform the essential functions of this job.
Reasonable accommodations may be made to enable individuals with
disabilities to perform the essential functions. While performing
the duties of this job, the employee is often required to: sit; use
hands in repetitive motions to finger, grasp, handle or feel; and
talk or hear, as well as be required to: stand; walk; and lift or
reach with hands and arms. The employee may also be required to:
crouch (Bending the body downward and forward by bending leg and
spine), stoop (Bending body downward and forward by bending spine
at the waist. This factor is important if it occurs to a
considerable degree and requires full motion of the lower
extremities and back muscles), push (Using upper extremities to
press against something with steady force in order to thrust
forward, downward or outward), pull (Using upper extremities to
exert force in order to draw, haul or tug objects in a sustained
motion). Must be able to operate routine office equipment including
computer terminals and keyboards, telephones, copiers, facsimiles,
and calculators. Must be able to routinely perform work on computer
for an average of 6-8 hours per day, when necessary. Must be able
to work extended hours or travel off site whenever required or
requested by management. Must be capable of regular, reliable and
timely attendance. Must be capable of climbing / descending stairs
in an emergency situation. Specific lifting abilities required by
this job include: Medium work. Exerting up to 50 pounds of force
occasionally, and/or up to 25 pounds of force frequently, and/or up
to 10 pounds of force constantly to move objects. Specific vision
abilities required by this job include: The worker is required to
have close visual acuity to perform an activity such as: preparing
and analyzing data and figures; transcribing; viewing a computer
terminal; extensive reading; visual inspection involving small
defects, small parts, and/or operation/inspection of machines
and/or using measurement devices at distances close to the eyes.
What We Offer: COMPENSATION & BENEFITS: Starting salary is
dependent upon relevant experience and may vary based on the
geographic location of the position. We offer an extensive benefits
package that includes, but is not limited to medical, dental,
vision, and life insurance, a health savings account option, an
Employee Assistance Program (EAP), a health rewards program, a
401(k) retirement savings plan, discounts on banking products and
services, and paid sick, holiday, and vacation time. Visit our
website for more details! COMPANY OVERVIEW: We are a family of
banks whose unique local presence reflects the communities we
serve. We welcome the opportunity to grow and change as our
customers and communities do the same. Read our story, learn about
our banks, and experience life at Glacier Bancorp, Inc. all from
our website. Check it out! We are an Equal Opportunity Employer and
qualified applicants or employees will receive consideration for
employment without regard to race, color, religion, national
origin, sex (including pregnancy), sexual orientation, gender
identity, mental or physical disability, genetic information,
protected veteran status, or any other category protected by
applicable federal, state or local laws. Glacier Bancorp, Inc. does
not sponsor applicants for work visas. All applicants must be
legally authorized to work in the US. No Recruiters or unsolicited
agency referrals please.
Keywords: Bank of the San Juans, Pueblo , Credit Analyst 2, Professions , Pueblo, Colorado
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