Position Title: Credit Analyst I

Reports To: Credit Department Manager

Responsibilities:

• Developing loan applications for credit requests of current and prospective customers. Credit applications include a detailed cash flow analysis, collateral analysis and all other analysis pertaining to the strengths and weaknesses of the applicant.


• Spreading of financial information on current and prospective customers.


• Assist Senior Lender, Credit Administrator, and Lending Officers with reports used to monitor the loan portfolio, track loan delinquencies, track concentrations within the loan portfolio, etc.


• Attend loan committee and take minutes as needed.


• Ensure that all credit files are kept current with financial statements, tax returns, current loan applications, proper documentation, etc.


• Providing credit information from Credit Bureau or other agencies as requested.


• Continue to seek improvement of credit skills through seminars, training sessions and/or credit classes.


• Represent the Bank in community development activities.


• Assumes additional responsibilities as required.

Qualifications:

Education/Experience

• Bachelor’s Degree required preferably in Accounting or Finance, will consider students graduating in May 2025

Skills

• Strong written and verbal communication skills


• Computer skills: especially Microsoft Office


• Strong attention to detail – with the ability to adapt to a fast paced work environment


• Ability to prioritize work flow to meet crucial time deadlines

Isabella Bank is an AA/EEO employer.