Credit Analyst I
Credit Analyst I
Position Location: Sheridan, WY
Experience: Six months to two years of similar or related experience, including preparatory experience.
Education/Certifications/Licenses: A college degree is preferred.
Major Duties and Responsibilities
Complete credit analysis with most credits considered to be less complex (one entity/one guarantor or direct obligation). Analysis to include but is not limited to:
- Spread and analyze financial information to determine the degree of risk associated with lending opportunities such as cash flow/repayment ability and financial trends and key ratios analysis.
- Using the five C’s of credit (Character, Capacity, Capital, Collateral & Conditions) – identify strengths and weaknesses of existing and potential clients to include Management capabilities, Management succession, ability to repay, secondary and tertiary repayment sources, acceptable collateral position, and industry comparisons of risks and trends.
- Risk assessment by focusing on credit quality, determine if the degree of risk is acceptable to move forward with the lending request, and recommend a risk grade in accordance with policy.
- Preparing the loan authorization report (credit write-up) in a timely manner to be submitted to the appropriate approval authority and recommend and assist with the structure of loan requests.
- Serve as a point of contact for loan officers, processors, and clients.
- Participate in joint customer calls and/or inspections with loan officers and assist in soliciting, developing and maintaining profitable banking relationships.
- Prepare annual reviews of client relationships and maintain file integrity.
- Prepare work papers for auditors and examiners.
- Provides exceptional customer service.
- Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
