What are the responsibilities and job description for the CREDIT ANALYST II position at Kirkpatrick Bank?
Kirkpatrick Bank hires individuals who are committed to building long lasting relationships by delivering high quality customer service to all of our customers and within our communities. In return Kirkpatrick strives to offer a competitive and comprehensive benefit package.
Shift hours: Monday - Friday, 8:00am to 5:00pm
Kirkpatrick Bank offers the following benefits (subject to eligibility requirement):
Essential Job Functions and Responsibilities:
Skills and Abilities:
Shift hours: Monday - Friday, 8:00am to 5:00pm
Kirkpatrick Bank offers the following benefits (subject to eligibility requirement):
- Company subsidized health and dental insurance for employees and dependents
- Health and Dependent care flexible spending accounts, HSA account
- Company provided life insurance and long term disability
- Generous 401 (K) Match
- Paid Sick and Vacation
- Wellness Plan
- Employee Banking products and services provided
Essential Job Functions and Responsibilities:
- Analyzes all relevant financial data and related material to prepare summaries and present facts concerning credit worthiness of businesses and individuals.
- Preparing various credit related reports to include:
- Memorandums of Review based on interim financial information to determine covenant compliance.
- Annual Reviews of existing relationships.
- Credit Memorandums for approval of new credit facilities or renewal of existing credit facilities. Includes working with Loan Officers to determine credit structure and terms. Requires knowledge of Bank’s Lending Policy and identification of exceptions to Policy, and analysis of financial statements and other information to determine the degree of risk involved in extending credit, including background and industry risk and Applicant’s performance compared to similar businesses.
- Prepare internal real estate evaluations for applicable loan requests.
- Assists training and development of Credit Analyst I.
Skills and Abilities:
- Strong knowledge of accounting theory, including knowing the differences between GAAP, cash and income-tax based accounting and their effects on cash flow analysis.
- Excellent understanding of business and personal financial statements and tax returns.
- Excellent verbal and written communication skills.
- Excellent analytical and organization skills.
- Strong attention to detail and the ability to work independently with little supervision.
- Strong proficiency with Microsoft Office Suite (especially Microsoft Excel) and ability to learn other software related to financial spreads and monitoring of credit facilities.
- Bachelor’s degree in Business, Finance, Accounting, or related field.
- Minimum 2 years of credit analysis experience.
- Previous experience using Abrigo/Sageworks software is preferred.
- Prolonged periods sitting at a desk and working on a computer.
- Professional office environment.