Commercial Credit Analyst Senior at First Federal Savings Bank in Twin Falls, Idaho

Job Description:

Essential Duties and Responsibilities   

• Perform analysis of financial statements and tax returns to evaluate existing and projected cash flow.


• Analyze the strengths and weaknesses of Borrower and management team.


• Conduct industry research to identify key drivers, challenges, and trends that are most relevant.


• Utilize financial ratios and industry peer comparisons to evaluate borrower performance.


• Perform review of commercial/residential property appraisals, evaluations and environmental reports.


• Review preliminary research such as UCC lien searches, property information, etc.


• Prepare detailed Credit Memorandums with defined credit quality expectations and within credit policies and procedures for review and approval, including recommendations, key risk factors, sources of repayment, cash flow modeling, leverage profile assessment and ability to service debt.


• Complete annual reviews and covenant compliance on defined bank portfolio.


• Perform all job duties and maintain compliance with all banking acts, laws and regulations applicable to the job function.

Non-Essential Duties and Responsibilities

• Works closely and communicates clearly with BBOs in all aspects of evaluating loan requests including identifying the necessary information for the analysis of new and existing credits.

Qualifications Required

(Required education may be satisfied by experience and/or working knowledge)

A Bachelor’s degree in Accounting or Finance, 4 years experience in the analysis of financial information (financial statements, tax returns, etc) and proficiency with Word and Excel to include formatting of spreadsheets. 

Physical Requirements and Working Conditions

Sitting for extended periods of time, requires close visual acuity and the ability to work and operate computer applications and equipment including copy machine, telephone, scanner or other basic business equipment.  Must have the ability to move or at least lift 10 pounds. The job is within the normal office environment range.

Qualifications Preferred

Six years experience in credit or financial analysis.

Experience

Required

• Proficiency with Word and Excel to include formatting of spreadsheets.


• 4 year(s): Analysis of financial information (financial statements, tax returns, etc.)

Education

Required

• Bachelors or better in Accounting or related field

Skills

Preferred

• Writing


• Written Communication


• Teamwork


• Positive Attitude


• Microsoft Office


• Multitasking


• Logical thinking


• Integrity


• Initiative


• Financial Analysis


• Excel


• Deductive Reasoning


• Decision Making


• Communication


• Critical thinking


• Creative Thinking


• Analyzing


• Analytical

Behaviors

Preferred

• Thought Provoking: Capable of making others think deeply on a subject


• Team Player: Works well as a member of a group


• Innovative: Consistently introduces new ideas and demonstrates original thinking


• Detail Oriented: Capable of carrying out a given task with all details necessary to get the task done well

Motivations

Preferred

• Self-Starter: Inspired to perform without outside help


• Goal Completion: Inspired to perform well by the completion of tasks


• Ability to Make an Impact: Inspired to perform well by the ability to contribute to the success of a project or the organization

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

See job description

Apply Now