Find & Apply For Credit Analyst / Authorizer Jobs in Twin Falls, Idaho

Overview We are seeking a motivated and detail-oriented Senior Credit Officer/Credit Administrator responsible for providing support and direction to loan officers. In this role, you will be accountable for the accurate reporting of credit risks and allowance needs to the Senior Loan Committee and the Bank's Board of Directors. This role is also responsible for the administration of the Bank's problem loans. Your expertise will ensure that the credit policy and procedures of the Bank are adhered to in an effort to protect the Bank from unforeseen risks. This position offers an opportunity to leverage your analytical skills, industry knowledge, and leadership abilities to make impactful decisions that drive our organization forward. Responsibilities Member of the Bank's Senior Loan Committee. Directs all activities associated with the Bank's loan portfolio to ensure that loans are granted, reviewed and maintained in accordance with Bank's policy. Responsible for the support and direction of the classified/criticized loans. Prepare and review the Allowance for Loan and Lease Loss Reserve in accordance with FASB rules and make recommendations to the Board of Directors for quarterly allocations as needed. Review loans granted for credit risks and adherence to the Bank's policy and procedure. Ensure that the credit risk has been minimized to the Bank in compliance with rules, regulations and safety & soundness standards. Prepare and discuss all loan related reports to the Board of Directors. Reports including, but not limited to, concentration of credit, exceptions, OREO, participation, ALLL, TDR and classified credits. Responsible for administering, oversight, and direction of the Bank's loan portfolio and lending staff. Provide support and guidance to lending staff as needed. Administer credit staff employee evaluations. Branch Managers will be evaluated by SCO and President. Credit Officers will be evaluated by SCO and Branch Manager. Develop, maintain, and train all credit staff on stress testing criteria as needed. Recognize and assist in the solution to complex collection problems as needed. Consult with Bank legal counsel regarding credit issues and collection efforts as needed. Responsible for implementing credit procedures to ensure proper internal controls are in place to minimize credit risks. Direct all related training on loan policy, procedures, and regulations. Review and maintain Bank loan policy and offer suggestions to Senior Loan Committee for enhancements to loan policy, corrections of procedures, and regulatory guidance and updates. Participate in long-range planning. Serves on a number of committees to ensure effective interface among all Bank departments and offices with complete communication of overall policies, programs, projects, objectives and goals. Performs related duties as assigned. Requirements Proven experience in commercial, agricultural, and consumer lending analysis, credit analysis, or related financial services roles with a strong understanding of financial concepts and industry regulations. Demonstrated expertise in financial statement interpretation, cash flow analysis, and quantitative research methods. Proficiency in financial software tools, Excel data analysis, and financial modeling techniques essential for risk assessment. Solid knowledge of banking operations, loan processing procedures, and mortgage servicing practices. Strong communication and organizational skills coupled with excellent written communication for financial report writing and documentation. Ability to interpret complex financial data accurately while adhering to compliance standards related to loan regulations and fraud prevention. Accounting or finance degree; professional certifications such as CFA or CPA are advantageous.

Pay:

From $120,000.00 per year

Benefits:

401(k) 4% Match Health insurance Life insurance Paid time off

Education:

Bachelor's (Required)

Experience:

Lending:

5 years (Preferred)

Work Location:

In person