Credit Analyst

Note: We are looking to fill one Credit Analyst opening, wherein the selected employee will be headquartered, ideally, at either our Peru or Rushville Ag Center.
Responsible for analyzing credit and financial reports to determine risk involved in loaning money or extending credit. Scrutinizes financial data profitability, income growth, and management quality to decide if loans will be lucrative.
Major Duties and Responsibilities

• Performs the initial and ongoing credit analysis to determine if members' credit requests satisfy policies and procedure guidelines, and prepares and processes all applicable documentation for credit analysis and risk ratings.
• Images and tracks financial documents, including financial statement, tax return, credit report, risk analysis, annual review report, and loan request presentation report, necessary for annual review and loan approval processes for the borrower.
• Prepares a detailed narrative based on the financial trends and ratios delivered in the reports presented to loan committees for loan approval and risk rating score assignment purposes.
• Provides support to Credit Union members and staff in explaining credit policies and procedures.
• Provides and maintains reporting requirements on Credit Union members' credit obligations, such as watch lists and allowance for loan loss calculations.
• Assists in special assignments requested by management and members.
• Performs other related duties as assigned.

Position QualificationsOne to three years of agriculture and/or commercial credit analysis or related experience Four-year college degree or equivalent combination of education and experience Knowledge of financial spreads and tax returns a plus Excellent computer skills (Word, Excel) Ability to work independently with little or no supervision Must be extremely detail oriented Excellent communication skills with both internal and external personnel Ability to foster sound relationships with outside entities A significant level of trust and diplomacy, in addition to courtesy and tact
Standard position hours are Monday through Friday, 8 a.m. to 5 p.m.

Available Benefits Include:

• Health, dental and vision insurance
• Paid time off
• Eligibility to vest into pension plan
• 401(k)
• Incentive/bonus program
• Tuition reimbursement
• and more!