Credit Analyst

Job Title:

Credit Analyst Location:

Pontiac, IL Department:

Lending Reports to: Senior Credit Analyst Average hours per week: Hourly 35+

Required Hours Availability :

Monday through Friday 8AM - 5

PM Pay Range:

$50,000 to $60,000/annually

Job Summary:

The Credit Analyst is responsible for assessing the creditworthiness of individuals and businesses applying for loans or credit lines. This role involves collecting and analyzing financial information to evaluate risk and support informed lending decisions. The Credit Analyst works closely with senior analysts and loan officers, providing accurate data analysis and recommendations to facilitate the loan approval process while ensuring compliance with company policies and regulatory standards.

Supervisory Responsibilities:

None Duties/Responsibilities:

Analyze financial statements, credit reports, and other relevant financial information to assess the credit risk of loan applicants Determine appropriate credit limits and terms based on the borrower's financial situation and credit history Prepare detailed credit reports and recommendations for loan approval or denial Monitor existing credit accounts and assess the ongoing creditworthiness of borrowers Effectively document and track all customer interactions and issues, ensuring accuracy and attention to detail. Work closely with loan officers, underwriters, and other team members to ensure timely and accurate decision-making Stay current on industry trends and regulations related to credit analysis Adhere to bank policies and procedures.

Required Skills/Abilities:

Excellent verbal and written communication skills. Excellent interpersonal and customer service skills. Excellent organizational skills and attention to detail. Excellent critical thinking skills. Ability to work in a team-oriented environment. Demonstrate regular attendance and punctuality. Ability to function well in a high-paced and at times stressful environment. Proficient with Microsoft Office Suite or related software.

Education and Experience:

Associate's degree in finance, accounting or a related field preferred 2+ years of experience in credit analysis or similar role preferred

Physical Requirements:

Regularly:

Sitting, Talking, Hearing, Feeling/Touching, Vision - close, peripheral, depth, ability to adjust focus

Frequently:

Walking Occasionally:

Standing, climbing and/or crawling, Lifting objects up to 30 pounds Other duties Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice. About us Bank of Pontiac opened its doors for business in 1947. We are a strong community bank offering a variety of financial services to both individuals and businesses in Livingston, Grundy, McLean, Ford, and Tazewell Counties and surrounding communities. We believe in serving and reinvesting in our communities by supporting local schools, churches, clubs, and organizations. At Bank of Pontiac, we believe that "Together We're Better." We offer a competitive salary along with a full benefits package including health, dental, vision, and life insurance, 401(k) and generous paid time off. At Bank of Pontiac, we believe that diversity fuels innovation. Bank of Pontiac is committed to equal employment opportunities, and we support an inclusive workplace where our members excel based on personal merit, qualifications, experience, ability, and job performance.