What are the responsibilities and job description for the Commercial Credit Analyst position at One Community Bank?
One Community Bank is seeking a Commercial Credit Analyst to join our team in Oregon, WI.
The one bank that’s different from other banks. We began as a single location serving the Oregon, Wisconsin, community back in 1976. Since then, One Community Bank has grown to serve 10 locations in Oregon, Adams, Grand Marsh, McFarland, Middleton, Oxford, Stoughton, Sun Prairie, and Waunakee. Come grow with One Community Bank! We have been voted Best Place to Work four years in a row!
Summary:
Analyze current and historical financial statements and credit data of individuals or firms to determine the degree of risk involved in extending credit or lending money. Prepare reports with this credit information for use in decision-making
Essential Duties and Responsibilities of the Commercial Credit Analyst include the following:
- Analyze and spread financial information such as tax returns, income statements, balance sheets, rent rolls, leases, appraisals, personal financial statements and credit reports to determine the degree of risk involved in extending credit or lending money.
- Perform global cash flow analysis
- Analyze collateral positions
- Confer with lender and other business representatives to obtain financial information.
- Generate financial ratios, using computer programs, to evaluate customers' financial status.
- Compare liquidity, profitability, and credit history of businesses being evaluated with those of similar businesses in the same industries and geographic locations.
- Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans.
- Complete loan presentations and credit memos
- Complete annual loan and relationship reviews
Required Qualifications / Skills / Abilities of the Commercial Credit Analyst:
- Bachelor’s Degree in Finance or Accounting
- At least 1-2 years credit, accounting and/or banking experience
- Knowledge of accounting rules, regulations, policies and procedures in the financial services industry
- Advanced problem solving skills
- Advanced Microsoft Office skills
Benefits of the Commercial Credit Analyst:
- 401(k), 401(k) matching
- Dental insurance
- Flexible spending account
- Health insurance
- Life insurance
- Paid time off
- Vision insurance
- Short-term and Long-term Disability Insurance
- Pet Insurance
Job Type: Full-time
Benefits:
- 401(k)
- 401(k) matching
- Dental insurance
- Flexible spending account
- Health insurance
- Life insurance
- Paid time off
- Vision insurance
Physical Setting:
- Office
Schedule:
- 8 hour shift
- Day shift
- Monday to Friday
Education:
- Bachelor's (Preferred)
Experience:
- credit, accounting or banking: 1 year (Required)
- credit, accounting and/or banking: 1 year (Required)
Work Location: One location