Credit Analyst

Credit Analyst – Consumers National Bank

The Credit Analyst reports to the Credit Department Manager and is responsible for conducting analysis of commercial loans and/or loan relationships as determined by the Chief Credit Officer, Credit Department Manager, and Executive Management. The analyst determines the borrower's ability to repay obligations by analyzing financial information, assessing collateral, and recommending loan structures that maintain the bank’s risk within acceptable limits.

• Analyze proposed and existing commercial credit relationships as determined by senior management.
• Determine if sufficient financial information is available to make an informed credit decision.
• Conduct detailed financial analysis on loans to determine the borrower’s ability to repay obligations.
• Assess the borrower's ability to repay all commercial and personal obligations.
• Review proposed or existing collateral to ensure the bank is adequately secured.
• Communicate with the Originating Lender regarding details of proposed and existing credits.
• Recommend structure and terms based on the financial and collateral analysis.
• Ensure that proposed credits are within bank policy unless approved otherwise.
• Recommend a risk rating to the Originating Lender and/or Loan Review.
• Communicate with Loan Review and the Chief Credit Officer (CCO) on any issues of concern on individual credits.

• Business-related degree or equivalent/significant loan and/or audit experience preferred.
• Minimum of 2 years lending or analysis experience.
• SBA or Ag experience a plus.
• Demonstrated experience with business and technical analysis.
• Intermediate knowledge of Sageworks (or similar software) and Microsoft Office Suite, including Outlook, Word and Excel.
• Able to exercise appropriate independent judgment and act on it.
• Proven analytical, mathematical, and problem‑solving skills.
• Effective written and verbal communication skills.
• Able to work logically and efficiently, with strong attention to detail.
• Proven ability to effectively prioritize and execute tasks while under pressure.
• Established customer service skills.
• Experience working in a team-oriented, collaborative environment.
• Valid driver’s license with insurable driving record.