Qureos Mentor

Evangeline Bank and Trust Company

<div>Conducts credit inquiries and analyzes credit information relating to loans; assists in the preparation of, credit memos &amp; reports for presentation to loan officers or Loan committees; furnishes information in relation to credit inquiries; provides support to loan officers. 
Duties/Responsibilities:<ul><li>
Developing credit information for use in the making of lending decisions on new, renewal, and extension loans.</li><li>
Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.</li><li>
Input Tax Returns, Corporate &amp; Personal Financial Statements, and other relevant financial data to create financial spreads and reports to develop trends and establish a customers&rsquo; repayment ability.</li><li>
Analyzes Tax Returns, financial statements, and Cash Flows.</li><li>
Prepares summary, presents findings, and occasionally offers opinions concerning creditworthiness.</li><li>
Providing credit information and references for customers, loan officers, or other agencies as requested.</li><li>
Ensures that all credit files are kept current with latest financial statements, agency reports, etc.</li><li>
Adheres to all bank policies and complies with regulatory requirements.</li></ul>
Required Skills/Abilities:<ul><li>
Excellent interpersonal and customer service skills</li><li>
Excellent written and verbal communication skills</li><li>
Excellent organizational skills and attention to detail with accuracy being paramount</li><li>
Be able to work independently and be Self-Motivated and, also, be able to work with a team</li><li>
Have a Complete understanding of: Federal Tax Returns, GAAP, accounting, and be able to read both Corporate and Personal financial statements;</li><li>
Be able to read and interpret Credit Reports;</li><li>
Should be able to use relevant Industry Analysis</li><li>
Possess a Strong understanding of business entity legal structures, risk rating, and financial statement analysis</li><li>
Possess excellent computer skills and experience with Proprietary bank software.</li><li>
Proficient with Microsoft Office Suite or related software. Specifically, Word, Excel, Adobe, etc.</li></ul> 
Education and Experience:<ul><li>
High school diploma or equivalent required; degree in Accounting, Finance, and/or other Business-related College Level major is preferred.</li></ul> 
Physical Requirements:<ul><li>
Prolonged periods of using multiple computer screens and multi-tasking</li><li>
Prolonged periods of sitting and standing</li><li>
Must be able to lift 15 pounds at times.</li></ul></div>

Credit Analyst

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Evangeline Bank and Trust Company

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Credit Analyst