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Credit Analyst Manager

Employer
United Prairie Bank
Location
Mankato, Minnesota, United States
Closing date
May 16, 2024

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Job Role
Credit Control
Sector
Finance
Contract Type
Permanent
Hours
Full Time
The Credit Analyst Manager is responsible for conducting credit investigations by collecting, analyzing, and interpreting data and financial information to evaluate and mitigate credit risk, as well as determining the appropriate credit risk rating on new and existing borrowers. This position collaborates and works closely with credit production and credit support to maximize borrower cash flow for United Prairie Bank debt retirement and manages credit facilities extended to United Prairie Bank borrowers. The role is a significant contributor for overall United Prairie Bank risk management through credit facility monitoring.

Essential Functions:

· Responsible for the creation and accuracy of credit presentations as well as assuring risk rating classifications are factual, accurate, and consistent with United Prairie Bank's risk rating system.

· Review credit packages for policy and regulation compliance as well as structural soundness, credit weakness, lien searches and title work to assure appropriate equity and collateral positions; makes corrective recommendations as needed.

· Investigate all available sources of credit and financial information to include, but not limited to, credit bureaus, other companies, vendors, other United Prairie Bank files, internet sources, social media, other banks, and overall community reputation.

· Accountable for monitoring the annual collection of required borrower financial and credit information.

· Verify the quality, completeness, and accuracy of all related credit facility documentation and assure appropriate loan covenants and terms are accurately stated in the appropriate documentation as well as verifying the appropriate perfection of collateral and United Prairie Bank security interests.

· Prepare appraisal requests, reviews, and real estate evaluations.

· Prepare summaries, present facts, and offer professional risk based opinions based on factual creditworthiness information as well as preparing and presenting credit risk reviews as credit conditions dictate.

· Monitor periodic inspections and credit advances pertaining to real estate construction projects.

· Ensure the creditworthiness of United Prairie Bank's credit portfolio, looking for changes or issues which merit a review or change in a credit facility, credit risk management practices, or adverse credit risk rating classification as well as determining the need for a more thorough credit investigation or the need for additional information to make an appropriately informed credit decision.

· Analyze economic, industry, and financial trends and market conditions.

· Train new Credit Analysts and branch Production staff on United Prairie processes and procedures. Assist Credit Administration with training events.

· Act as a resource for Market Presidents, Business Bankers, Credit Analysts I and II, and Credit Support Specialists I and II on all issues related to credit risk management, and to gather information for credit presentations and files.

· Attend and complete necessary training as required throughout the year.

Supervisory Responsibilities:

This position will have direct leadership responsibility of the Credit Analysts and Credit Analyst Support Specialist.

As a leader, you will carry out supervisory responsibilities in accordance with the organization's policies and applicable laws. You must understand all aspects of managing and motivating staff. This can include goal setting, coaching, measuring performance and providing feedback to continually improve performance.

Work Environment:

This job operates in a clerical, office setting. This role routinely uses standard office equipment, such as computers with MS Office, phones, photo copier/fax/scanning machine.

Physical Demands:

· This position requires manual dexterity, the ability to lift files and open file cabinets. This position requires bending, stooping, or standing as necessary.

· This is a largely sedentary role.

· Occasionally lift and/or move up to 25 pounds.

· Multi-lingual capabilities are a plus. Read, write, speak and understand English is required.

· Accommodation may be made for the above requirements, when it does not place an undue hardship on the Company.

Travel:

· Occasional day travel may be required for training/meeting purposes.

Education

High school diploma or GED required
Bachelor's Degree preferred
Bachelor's Degree in Finance or Economics.
Attended the Moody Analytics' Lending Cloud School, Commercial Lending School, and MBA Appraisal School.

Work Experience:

4-5 years of Credit Analyst experience with a Bank
Proficient abilities to analyze tax returns and financial statements.
Excellent analytical, time management, organizational, and problem-solving skills with the ability to focus, multi-task, and work in a deadline driven environment.
Must be professional in demeanor and deal effectively with people while being highly motivated, inquisitive, detail oriented, and adaptive to constant change while balancing multiple work assignments with stringent deadlines
Experience working in a team environment
Computer knowledge, including of MS Office & Windows

Education
Preferred
Bachelors or better in Accounting
Associates or better in Finance
Skills
Preferred
Analytical
Detail oriented
Multi-tasker
Microsoft Office
Organized
Professionalism

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

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