POSITION SUMMARY: Analyzes and prepares financial summaries and credit presentations for use in lending decisions on new loans, loans to be renewed, and loan extensions. Prepares financial spreadsheets and performs ratio analysis for early identification of adverse trends. Prepares loan presentations for appropriate approval and reviews documents for accuracy. Makes recommendations regarding credit limits and terms of loans. Determines loan’s compliance with loan policy including documentation, financial soundness and loan structure guidelines.
Conducts in-depth review of balance sheet and profit and loss statements presented by applicants for commercial loans or lines of credit. Uses computer spreadsheet software for evaluation.
Performs a comprehensive analysis of borrowers and loan transactions for upfront approval process and ongoing loan reviews.
Reviews and analyzes credit requests to determine financial and non-financial strengths, risk levels and feasibility of proposed credit relationships. This will include assessing liquidity, quality of management, market position and overall business climate to estimate future profitability of business.
Analyze large and complex business and personal loan requests to develop thorough and objective credit presentations while ensuring that the bank’s lending policies are followed.
Determines the repayment ability of borrowers through various cash flow analysis techniques. Determines the collateral position of the Bank.
Submits analysis and makes recommendations to the Senior Vice President and Chief Credit Officer for action by the Loan Committee.
Implements and reinforces policies and procedures to comply with fundamental business and credit priorities of the bank. Assists in monitoring compliance with internal and regulatory requirements.
A four year degree in business/finance/economics from an accredited college or university or equivalent work experience
Specialized formal credit training or related experience
Two to five years of work experience in credit analysis, preferred
Strong analytical/synthesis skills
Advanced knowledge of loan documentation
Experience in working cash flow models
Ability to develop/build processes and procedures
Knowledge of the banking industry procedures, workflow and related regulatory requirements
Experience in credit and legal loan documentation
Experience with various types of loan collateral
Experience with managing document tracking and collateral management efforts/processes
Desire and ability to abide by the Bank’s core values, as outlined in the Strategic Plan
The ability to sit for lengthy periods of time
Frequent use of computer, calculator and other office equipment
Frequent local travel including driving of vehicle
Improved quality of credit controls within Bank
Decrease in loan workouts and write-offs
Decrease in bank owned real estate
Improved asset quality measures
Continuous monitoring and enhancement of Bank’s overall credit philosophy and policies
Fox Valley Savings Bank is a local financial partner to Northeastern Wisconsin, serving Fond du Lac, Oshkosh, Waupun and the surrounding communities. It began business in Fond du Lac, WI in 1934, focusing on providing a safe place for people to deposit their money and a trusted source for loans.