Experience Inc. Jobs

+-----------------------------------------------------------------------+ | Remote Status:On-Site | +-----------------------------------------------------------------------+ | | +-----------------------------------------------------------------------+ | | +-----------------------------------------------------------------------+ | | +-----------------------------------------------------------------------+ | Community State Bank is seeking anexperienced, Full-Time Senior | | Credit Analystto join our team of commercial underwriting | | professionals in our Auburn, Indiana office. Successful candidates | | will have at least 3 years of recent credit analyst experience and be | | committed to accurate, timely, and detail-oriented work. | | | | Job Title:Senior Credit Analyst | | Reports To:Credit Department Manager | | Supervises:None | | Division:Credit | | FLSA Classification:Exempt | | Pay Rate:Salary | | | | Position Purpose:The Senior Credit Analyst is primarily | | responsible assessing credit risk for commercial loan applications, | | monitoring the Banks existing commercial loan portfolio thereby | | ensuring the accuracy and timeliness of grades, contributing | | meaningfully to discussion in Loan Committee meetings, training | | junior credit teammates, and being a leader on CSBs commercial credit | | team. | | Job Requirements: | | Education:A 4-year degree in an Accounting or Finance-related | | field is required. Completion of a state bankers association | | commercial lending/credit analyst school or similar program is | | preferred. | | | | Experience:A minimum of three (3) years prior Commercial Credit | | Analyst experience required. Prior knowledge of basic and | | intermediate U.S. GAAP accounting practices and expertise with | | financial statements is required. | | | | Skills:Proficient verbal and written communication skills; | | analytical thinking skills; ability to type at least 50 wpm; | | proficiency with Microsoft Office software such as Word, Excel, | | PowerPoint, and Outlook; fluency in the English language; ability to | | create professional-level written presentations; ability to travel | | between Bank and client locations as needed. | | | | Essential duties include, but are not limited to: | | CSB Cultural Expectations | | | | - Commit to learning, integrating, and modeling CSBs I CREATE core | | values: Integrity, Communication, Respect, Encouragement, | | Accountability, Trust, and Equality. | | - Align to bank-wide vision, mission, nd business objectives. | | - Commit to continuous personal and professional growth in the | | areas of teamwork, customer service, and job specific | | competencies. | | | | | | Leadership Expectations | | | | - Serve as a positive role model for other credit department staff. | | - Assist the department manager in properly training less | | experienced credit analysts. | | - Regularly assess department workflows and processes and suggest | | improvement/efficiency ideas to the manager. | | | | | | Credit Administration Expectations | | | | - Monitor Annual Review tracking and complete annual reviews for | | the commercial loan portfolio. | | - Monitor Borrowing Base tracking and process updates to line of | | credit availability. | | - Monitor Financial Covenant tracking for the commercial loan | | portfolio and perform calculations. | | - Monitor Marketable Securities tracking and process margin calls. | | - Perform financial spreads and cash flow/collateral calculations | | as needed. | | - Perform floor plan checks on a periodic basis. | | - Assist the department leader or Executive in the preparation of | | the quarterly Asset Quality Committee package. | | - Assist other credit department team members as needed. | | - Meaningfully contribute to credit team projects as needed. | | | | | | Credit Underwriting Expectations | | | | - Prepare Commercial Loan requests on transactions at all levels of | | complexity, risk and size ensuring (a) the loan request adheres | | to the Banks Loan Policy and exceptions are appropriately | | properly mitigated, (b) that key risks within the transaction are | | understood and properly mitigated, and (c) the borrowing | | relationship is properly graded. | | - Be a subject matter expert on CSB Policy and Procedures as well | | as all other CSB credit processes. | | - Be a subject matter expert on CandI, IRE, Individual, and | | Agribusiness lending disciplines. | | - Assist the Credit department Manager/Executive in reviewing | | commercial loan approvals as needed. | | - Assist Loan officers in the analysis/structuring of loan requests | | or situational analysis as needed. | | - Regularly attend client meetings and on-site calls when | | appropriate. | | | | | | Compliance/Other Expectations