Senior Credit Analyst

As a Senior Credit Analyst, the individual will underwrite commercial loan requests and determine future repayment abilities of borrowers. The individual will review financial statements and assess risk on new and existing commercial relationships always remaining customer focused. The individual will collaborate with the credit analyst team by assisting with training.  This position is an integral part of overall commercial loan administration.
 

At Ixonia Bank, we pride ourselves on our core values which are evident in our work, how we interact with each other, & how we take care of our customers. We believe every individual counts! Our highly-qualified, driven employees continually strive to give Ixonia Bank customers a personal banking experience. If you are interested in joining the Ixonia Bank team, we invite you to check out opportunities that match your skills and talents. We offer rewarding careers, all within a professional and friendly work environment.

Principal Duties and Responsibilities:

• Underwrite new commercial loan requests and renewals, including the bank's most complex requests.
• Perform annual financial reviews of existing commercial relationships.
• Work collaboratively with Commercial Loan Officers and the credit department leadership to ensure that credit risks are properly identified and presented accurately to credit approvers and loan committees.
• Ensure that all exceptions to the bank's lending policy are noted and that the proper level of approval is achieved for all requests based on requirements outlined in the bank's lending policy.
• Provide leadership and training to credit analysts for career advancement and enhancement, developing increased independence in all job aspects, particularly relating to more complex credits.
• Develop continually advancing portfolio analytics, including concentrations, high loan to value (HLTV), policy tracking, and portfolio stress testing.
• Maintain a strong understanding of the bank's lending policy, as well as interagency regulations.
• Perform review of appraisals and real estate evaluations.
• Monitor and test loan covenants for existing credit relationship.
• Assist with monthly and quarterly reporting that is reviewed by senior level leadership and the Board of Directors

Senior Credit Analyst Qualifications:

• Bachelor's degree or equivalent education and experience.
• 5+ years of commercial credit experience within a bank environment.
• Specialized formal credit training preferred.
• Ability to effectively analyze significant amount of data and information and distill and communicate it to the key points impacting a borrower's ability repay the bank debt.
• Capabilities to gather, summarize and interpret information from other business units.
• Advanced computer literacy including spreadsheets, word processing and database management.
• Ability to maintain constructive working relationships.

Education, Experience or Equivalent: 

Bachelor’s Degree in Accounting, Finance, Business, and/or equivalent banking and/or work experience.

Level of Experience/Preferred Skills:  

A minimum of 5 years of financial analysis.  Excellent written/verbal communication and presentation skills; team orientation, familiarity with PC based and banking software programs; familiarity with financial analysis software is a plus. Knowledge of small business and consumer loan policy, federal banking regulations, credit granting criteria, interest rates and how they are computed, and required documentation for each type of loan. 

Specific Skills:  

Excellent written/verbal communication and presentation skills; team orientation, familiarity with PC based and banking software programs; familiarity with financial analysis software is a plus. Knowledge of small business and consumer loan policy, federal banking regulations, credit granting criteria, interest rates and how they are computed, and required documentation for each type of loan.