First Bank & Trust is currently accepting applications for the position of Credit Analyst. The ideal candidate will be a professional, energetic, goal oriented, person who is willing to work in a team environment. Bachelor’s degree in Finance or accounting with 2-5 years banking experience or equivalent years’ experience in related field desired. Duties include review and analyze financial data, industry data, borrower performance and management capabilities to assess credit worthiness and estimate degree of risk involved in extending credit to commercial clients. EOE.
Summary: Verifies, compiles, and prepares uniform credit requests for loans and performs annual reviews on significant credits.
Essential duties and responsibilities are listed below. Other nonessential duties may be assigned.
Credit Analyst Duties and Responsibilities:
Analyzes credit requests, completes uniform credit request forms, provides financial analysis of clients, determines collateral sufficiency, identifies strengths and weaknesses of loan applications and assigns a risk grade.
This individual will make a credit recommendation to the appropriate loan committee and be prepared to discuss said recommendations.
Perform periodic credit and file reviews and verifies loan data on loan system or computer, insurance verifications, and review loan documentation and meeting minutes. Determines an appropriate file grade.
Updates a list of credits and determines when an annual review is due to be completed.
Maintains a working list of credits that are in Credit and their status.
Maintains a high degree of product and services knowledge to identify proper and improper loan structure.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Bachelor degree from a four-year college in finance or accounting, and/or 2-5 years banking experience; or equivalent combination of education and experience in related field(s).
Ability to read, analyze and interpret documents such as general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
Must be analytical with solid math and auditing skills. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Ability to apply concepts of algebra, geometry, and financial analysis.
Must be detail-oriented with excellent research and decision-making ability, and be able to work accurately under deadline pressure. Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret and apply common sense understanding to carry out a variety of instructions furnished in written, oral, diagram, or schedule form. Ability to deal with problems involving several concrete variables in standardized situations.
Proficiency with spreadsheets, word processing, accounting software, internet software, e-mail, database software.
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job the employee is occasionally exposed to fumes or airborne particles; risk of electrical shock and risk of radiation.
The noise level in the environment is moderate.
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 with disabilities to perform the essential functions.
While performing the duties of this job the employee is regularly required to use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is frequently required to sit. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee is occasionally required to lift up to 50 pounds. The vision requirements include: close vision, distance vision, peripheral vision, depth perception and ability to adjust focus.
First Bank & Trust, IL is a community bank working every day to support the individuals, families, and business owners in Champaign, Edgar, and Clark counties. The principal operating subsidiary of First BancTrust Corporation, First Bank offers a wide range of banking, lending, and financial services through our offices in Champaign, Marshall, Martinsville, Paris, Rantoul, and Savoy, IL. We operate every day to achieve our mission of excellence that our customers have come to expect from us.