Senior Credit Analyst

Location: Central Arkansas

Department: Credit Department

Reports To: Credit Team Manager

Hours: Full-time position

GENERAL SUMMARY

Under general supervision and guidance of the Team Manager, the Senior Credit Analyst is responsible for analyzing and projecting credit and financial information on various types of loans for customers applying for credit or loans to determine the risk that the bank will not recoup funds loaned. The level of risk is then used to determine if a loan or line of credit will be granted, and if so, the terms of the loan, including interest rate. The Senior Credit Analyst prepares reports based upon their findings to help make decisions on lending and credit-worthiness; Work is highly confidential in nature and involves the skilled use of a computer.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions

1. Evaluate borrowers’ credit data and financial statements in order to determine the degree of risk involved in lending money, to monitor trends and conditions
2. Spread financial statements into financial software
3. Maintain and update tracking software program for financial exceptions
4. Create Excel worksheets to organize, analyze, present, and store data
5. Prepare reports surrounding the degree of risk in lending money to borrowers
6. Determine and alert senior management as to potential problem situations which surface from analytical investigations
7. Analyze borrower records, using the data to recommend payment plans
8. Confer with credit associations and references to exchange credit information on borrowers
9. Provide assistance in preparation and presentation of loan proposal packets, including the credit analysis and loan request summaries; submit to loan committees for review/approval
10. Verify covenant information and note exceptions
11. Prepare monthly reports for senior management
12. Reconcile credit files and identify discrepancies and variances
13. Remain abreast of company’s lending protocols
14. Successfully complete compliance training; Adhere to internal controls and procedures; Understand and comply with bank policies as well as regulations and laws applicable to the position
15. Maintain utmost confidentiality and professionalism in dealing with others
16. Perform any other related duties as may be required or assigned

TEAM EXPECTATIONS

1. Champion the MNB mission statement with pride and enthusiasm
2. Maintain a high-level of cooperation and rapport among team members to ensure accuracy and efficient operations and service
3. Perform all aspects of your position with a coachable spirit
4. Collaborate in the sharing of new ideas that will drive the organization’s bottom line
5. Participate in volunteer opportunities surrounding the bank
6. Exhibit professionalism at all times

ENVIRONMENTAL CONDITIONS

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

There are no harmful environmental conditions that are present for this position. The noise level in the work environment is usually moderate and that of a typical office setting.

SAFETY SENSITIVITY

This position is not considered safety sensitive as defined by the MNB Drug-Free Workplace Policy.

OTHER

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

EOE STATEMENT

MNB is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, age, sex, sexual orientation, gender identity, marital status, pregnancy, status as a protected veteran, status as a qualified individual with a disability, or any other basis that may be determined by law.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE

• Bachelor’s Degree in Accounting or Finance required
• Minimum three (3) years Loan Review experience; or five (5) years Commercial Credit Analyst, Underwriter, and/or Commerical Lending experience required

OTHER SKILLS AND ABILITIES

Senior Credit Analyst must be able to

• Exhibit ability to effectively support Supervision
• Communicate effectively (both oral and written)
• Display impeccable understanding of financial statements, ratios, and concepts
• Successfully manage assigned tasks independently while meeting time constraints
• Calculate figures and amounts (e.g. discounts, interest, commissions, percentages, etc.); apply mathematical concepts (e.g. fractions, ratios, proportions, etc.)
• Exhibit strong analytic skills and attention to detail while organizing information
• Multi-task and rotate job tasks with seamless flexibility
• Read, understand and comply with documents (e.g. policy manuals, laws, regulations, internal procedures and controls, etc.) and exercise independent judgement, initiative, and discretion based on knowledge of such in performing daily activities
• Foster an atmosphere of teamwork and enthusiasm
• Exercise trustworthy service, courtesy, tact and diplomacy in dealing with others
• Efficiently use standard office equipment (i.e. desktop/laptop computer and software, copier, scanners, printers, fax, 10-key calculator, multi-line telephone system, etc.)
• Proficiently use MS Office applications (Word, Excel)
• Exhibit general knowledge of commercial bank computer applications

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions

This position requires manual dexterity; to regularly sit, use hands to finger, key data, handle or feel; to reach with hands and arms; to talk and hear; the employee must occasionally stand, walk, bend, stoop, or kneel.

The employee may regularly be required to lift and/or move up to 10 lbs.; occasionally lift and/or move up to 20 lbs.

Specific vision abilities required by this job include focus and close vision.