Credit Analyst II, South Bend, IN

POSITION SUMMARY: Responsible for assisting the sales staff through the evaluation, analysis, and management of loan transactions of current and prospective customers including periodic account reviews. Assists Senior Credit Analyst with region/division work flow and also SBA loans, underwriting SBA applications and adhering to standard operating procedures as identified by the SBA.

ESSENTIAL REQUIREMENTS:

• Reviews loan transactions through interviews with applicants, references, credit ratings, credit scores, and financial statement analysis.

• Responsible for collateral assessment.

• Assesses proper balance of credit strength and appropriate risk.

• Assists Manager with complicated and more involved customers and credit requests.

• Conducts research of specific industries and regions in which customer conducts business.

• Prepares transactions for approval, both written and verbally.

• Maintains credit records and performs periodic review of current customers.

• Responsible for the completion of all compliance training related to the position.

• Understands all applicable laws and regulations that apply to the position and complies with the requirements.

NON-ESSENTIAL FUNCTIONS:

Performs all other duties as assigned.

EXPERIENCE/SKILLS:

• Two (2) or more years of commercial banking, accounting or finance experience preferred.

• Understanding of commercial lending involving credit reports or credit bureau analysis.

• Good PC skills - proficiency in Microsoft Word and Excel essential.

• Problem solving skills with attention to detail.

• Strong quantitative and analytical skills.

• Self-motivated; ability to work independently.

• Good written and verbal communication skills.

• High degree of attention to detail.

EDUCATION: Bachelor's Degree preferred; concentration in Accounting or Business preferred.

TRAVEL REQUIREMENTS: Ability to travel to all locations as well as ability to travel over night, as needed for meetings, projects, seminars, etc.

PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals to perform the essential functions.

While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds.

EQUIPMENT: MS Office PC, fax, phone and standard office equipment.