Credit Analyst I Job – Emporia, KS

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Starting at $19.00 per hour - Full Time

Employer

ESB Financial | 801 Merchant St | (620) 342-3454
Kim LoPorto, Hiring Manager

Job Description

Do you have experience in financial analysis, credit memos and loan compliance? Do you have a high level of understanding of personal financial statements, tax returns, balance sheets, and credit reports? Do you want to work for a community bank that is a leader in the markets we serve? If so, ESB Financial is looking for a dynamic Credit Analyst to join our Emporia, Kansas Team. 

PRIMARY PURPOSE OF JOB

Assist commercial loan officers with analysis, underwriting and annual review of business loans. To limit the bank’s risk of losses by monitoring the quality of the bank’s loan portfolio and keeping management informed of potential losses, trends and compliance problems.

ESSENTIAL FUNCTIONS AND PERFORMANCE AREAS – Other duties may be assigned

• Assist Loan Officers with analysis and underwriting of existing and potential commercial and agricultural credits. This would include the spreading of the financial statements and preparation of the credit memorandum.
• Assist Loan Officers in creating credit memos/ underwriting of loans to be presented before committees.
• Perform financial projections
• Gather and review financial data for existing and potential clients. Review credit scores, payment history, and be able to understand tax returns for individuals as well as businesses.
• Assist VP Credit Administration with the preparation of annual review of all credit relationships of $500,000 and over. This review would include an analysis of the borrower and all credit facilities as well as a recommendation of the risk rating.
• Attend all loan committee and executive loan committee meetings to provide input on loan discussions as well as to record minutes of the meetings when VP Credit Administration is absent. Also attend Board meetings as necessary to provide input on the credit analysis of loan presentations.
• Provide accurate predictions of credit risks and trends over the short term, allowing the bank to make changes that will limit future losses.
• Monitor compliance lending procedures so that the bank suffers no losses due to non-compliance.
• Provide recommended loan rating for proposed credits as well as provide recommended loan rating during the annual review process for existing credit relationships. These recommended ratings should be in agreement with loan committee, internal loan review and regulator ratings.
• Maintain thorough knowledge of the bank’s loan standards and governmental regulations.
• Create a professional, courteous, and friendly atmosphere for clients and co-workers.
• Embrace the Bank’s Core Values and Behaviors to Live By.

 

KNOWLEDGE, SKILLS, AND ABILITIES

• Good attention to detail and ability to minimize errors in work.
• Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.
• Proficient use of spreadsheets and word processing programs.
• Ability to establish and maintain effective working relationships with staff.
• Willingness to perform other duties as assigned.

EDUCATION, TRAINING AND EXPERIENCE REQUIREMENTS

• Three to five years of similar or related experience.
• A college degree. Preferably an Accounting Degree

PHYSICAL CONTEXT AND WORK ENVIRONMENT

Physical Requirements

Percentage of Work Time Spent on Activity

 

0-24%

25-49%

50-74%

75-100%

Seeing:  Must be able to see to read documents & reports and use computer.

X

Hearing:  Must be able to hear well enough to communicate with coworkers and general public in person or via a headset.

X

Sitting:  Must be able to sit for long periods of time.

X

Standing/Walking:  Must be able to move about the work area.

X

Climbing/Stooping/Kneeling:  Must be able to stoop or kneel to pick up items off the floor and check equipment.

X

Lifting/Pulling/Pushing: Must be able to lift 25 pounds with or without reasonable assistance.

X

Grasping/Feeling:  Must be able to type, handle documents, and use equipment and electronic devices.

X

Reaching:  Must be able to reach above shoulder.  

X

The work environment is usually a well–lighted, environmentally controlled indoor environment with moderate level of noise.  

The statements herein are intended to describe the general nature and level of work being performed, but are not to be seen as a complete list of responsibilities, duties, and skills required of personnel so classified.  Also, they do not establish a contract for employment and are subject to change at the discretion of the employer.

 

We offer an excellent benefit package. Competitive salary based on education and prior work experience.

Hours of work: 40 hours week

Full-Time/non-exempt

EOE/AA/Veterans/Disabled

Please forward a resume to: [email protected], and complete application located at www.esbfinancial.com.

 

Benefits Offered

Paid time off, Health insurance, Dental insurance, Vision insurance, Life insurance

How to Apply

Email resumes to [email protected]

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