First American State Bank, a family owned community bank, with over 50 locations in 10 states, is seeking a qualified candidate for a Credit Analyst/Loan Review Officer to join our Davenport, IA team.
Spread financial information and prepare cash flow analysis from financial statements and tax returns for businesses and individuals using Web Equity
Prepare and/or assist lenders with the preparation of timely annual credit reviews on credit customers. This primarily includes preparation of credit presentation data for annual reviews and new credit requests on existing borrowers based on previous presentations, information in our core system, existing loan documents, etc. Identifies key issues or questions on credit relationships and communicates these to the responsible lender.
Upon request of lenders, contact borrowers to obtain financial information or answers to key questions or issues raised.
Assist with the maintenance of credit files.
Assist with annual loan file review: audit loan file for proper collateral perfection, insurance, compliance with covenants etc.
Perform detailed loan file reviews of lending unit’s portfolios. The reviews evaluate loan credit quality, risk identification, policy compliance, support for the credit decision, and loan structure.
Assist in the performance of special projects and targeted reviews and in the development of monitoring procedures or analysis of the Bank’s loan portfolio to ensure that significant trends are identified and researched.
Participate in efforts to enhance department and Bank procedures for loan review, processes, methodology, risk ratings, exceptions monitoring, portfolio analysis, management reporting and other areas as necessary.
Work with personnel from other departments and external entities
Must possess excellent written and verbal communication skills
Ability to work independently.
Knowledge of loan documentation, credit file review, and appraisal review a plus.
Three or more years of commercial bank experience with some exposure to loan review, audit, or lending.
Degree in Accounting, Finance or related field
We offer a competitive salary and benefit package. This position does offer potential for advancement. Check us out at www.bankwithfasb.com for additional company information.
Please send your cover letter and résumé to First American State Bank, Attn: Brian Cornwell, 4500 E 53rd St, Davenport IA 52087 or e-mail: email@example.com
First American State Bank is an Equal Opportunity Employer of Minorities/Females/Veterans/Disabilities