Credit Analyst II

Employment Opportunity Announcement Position:

Commercial Credit Analyst II (full time)

Department:

Main Office, One First Citizens Place, Dyersburg, TN Position Description:

The Commercial Credit Analyst II independently assesses moderate and complex credit requests for presentation to Senior Commercial Lending and Executive staff. Although working independently on credit assessment, the analyst will assist commercial lenders with loan administration, legal documentation, cross-selling opportunities, call reporting, and customer communication.

Job Responsibilities:

Soundly apply the bank's credit culture and credit policies; is considered a policy expert Use independent judgment and critical thinking in the compilation of key financial data for the accurate representation of credit risk in loan requests including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacity Independently complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements Accept credit requests directly from borrowers; make initial decision with regard to declination or proceeding in the credit request process Recommend appropriate risk grade, supporting the grade with risks, mitigants, and strengths Considered a valuable resource for the credit write-up/template and tax return analysis Proactively assist the Commercial Lenders in portfolio management functions including seeking out and assisting in the annual review process, loan review preparation, and in regulatory examinations; may manage said processes and examinations Spread financial statements and tax returns and analyze historical performance; review proformas for reasonableness Develop appropriate loan covenants to provide advance warning of potential credit risk and mitigate losses; develop proper loan structures Assist in the training of junior analysts as needed; may manage a small group of other credit analysts or related positions Review and analyze appraisals for market, credit, construction, and economic risks Understand more complicated loan documents; assist Commercial Lenders in working with outside legal counsel to prepare and execute loan documentation Participate in customer meetings; independently inspect properties; prepare customer communication on behalf of the Commercial Lender; handle simple loan closings for the Commercial Lender; work with customers in obtaining updated financial statements Assist Commercial Lenders with presenting loan requests to approvers, Senior Lenders, and Loan Committee as needed; attend and participate in other meetings; may present credit requests on behalf of Commercial Lenders Obtain, analyze, and incorporate third-party borrower information (e.g., credit reports); research inconsistencies Maintain data integrity Prepare pertinent reports, track financial information and receipt thereof Work with the Commercial Lender on classified assets and reporting thereof Maintain awareness of and adherence to Bank's compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks Deliver a consistent, high level of service Other duties as assigned

Qualifications:

Minimum years of specialization experience 2-4 Years; Bachelor's degree in a business field, preferably finance or accounting. Other concentrations will be considered with at least five years relevant experience.

Basic Skills:

Interpersonal/Customer Service Skills, Written and Verbal Communication, Ability to understand and follow directions, Adaptable to change, Basic Computer Skills, Leadership/Management Skills Ability to influence others, Ability to build collaborative relationships, Ability to develop or mentor others, Ability to work as part of a team, Organizational Skills/Detail Oriented, Analytical Thinking, Able to

Multi-Task or Juggle Priorities, Problem/Situation Analysis, and Technical Expertise Working Conditions:

Available to work as needed up to 40 hours per week (full time), Monday thru Friday. Travel to customers and prospects is expected. This position must be able to remain in a stationary position a maximum of 50% of the time, constantly operate a computer up to 50% of the time and be able to be in constant communication with coworkers, customers, or stakeholders to discuss and observe facts and data in order to exchange accurate information. Eligible for insurance benefits, retirement plans (KSOP & Pension), incentive plan, PTO and flexible work hours (Hybrid scheduled onsite hours). Team atmosphere. EEO/AA/VETS/DISABILITY