What are the responsibilities and job description for the Credit Analyst position at First Savings Bank (Beresford)?
Who we are
We are a family-owned bank committed to providing exceptional service and innovative banking solutions while making a difference in the communities we serve. We take great pride in the relationships we built and the lives we impact. We offer the strength of a big bank combined with local decision-making and hometown involvement, setting our community bank apart from the rest.
Our mission
Our mission is to support the financial goals of individuals and businesses in the communities we call home by offering every person a better banking experience.
Our values
- Passion: We have an unrelenting drive to be great. Quality service is our #1 priority.
- Commitment: We do not shy away from accountability. We together as a team and embrace the spirit of service.
- Leadership: We are competitive leaders in our markets and a go-to source for finance and lending.
- Community: We’re proud to support each other and our local communities. We win when our customers win.
To learn more about us, visit www.firstsavingsbanks.bank
About the role
The Credit Analyst role is key in making data-backed recommendations through research and analysis of customer financial documents. This role is responsible for analyzing financial data to assess the likelihood of a borrower honoring their financial obligations on behalf of the bank.
What you will do
- Evaluate Clients’ credit and financial statements to determine degree of risk involved in providing a loan.
- Prepare reports and present findings to make a recommendation on whether the loan should move forward.
- Confer with credit associations and references to gather credit information.
- Evaluate the financial status of applicants by producing financial ratios, trends, and cash flow analysis and create future projections.
- Routinely monitor loans to ensure they maintain compliance.
- Adhere to all company credit policies and guidelines established by the bank.
- Other duties as assigned.
What you will need
- BS Degree in Business Administration, Finance, Accounting or related field required.
- Experience analyzing customer credit preferred, but not required.
- Ability to analyze cash flows, leverage, collateral and customer strength
What we offer
- Health Insurance
- Dental Insurance
- Vision Insurance
- Paid Vacation, Sick, and Holiday time
- A competitive 6% 401k match
- And more!
Candidate must pass a pre-employment screening including credit history and criminal record check.
Our company provides equal employment opportunities (EEO) to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)