Credit Analyst

COMPANY OVERVIEW

Two Rivers Financial Group, Inc., through our wholly owned subsidiary of Two Rivers Bank & Trust offers financial solutions encompassing banking and wealth management services with locations in Ankeny, Burlington, Coralville, Davenport, Des Moines, Fort Madison, Keokuk, Mediapolis, Mount Pleasant, Urbandale, West Burlington, and West Point, Iowa.

We are not only committed to providing excellent customer service and financial expertise, but Two Rivers is also extremely passionate about volunteering and investing in the communities we serve.

Two Rivers is confident you will find opportunities and rewards with our company - whether you are a seasoned financial service professional or someone looking to begin a new career.

Surround yourself with innovative solutions and empowered coworkers. Come join the Two Rivers Team!

POSITION PURPOSE

The purpose of this position is to evaluate the client’s credit history, assets, liabilities and earnings history to determine their suitability for credit terms and provide detailed analysis to assist in the administration of the commercial loan portfolio.

EDUCATION AND WORK EXPERIENCE

• Four-year Degree in Business, Accounting, or Finance or comparable years of similar work experience.
• Two semesters of accounting required.
• 1-3 years commercial credit analysis experience in a financial institution preferred

SKILLS AND QUALIFICATIONS

• Experience with computer operating systems (Windows).
• Proficient in Excel and Word.
• Credit Management software experience preferred.
• Analytical and critical thinking skills.
• Attention to detail.
• Strong time management and multitasking skills.
• Strong interpersonal and customer service skills, to include the ability to form and maintain client and business relationships.
• Demonstrated effective verbal and written communication skills.
• Compliance with both the letter and spirit of the Bank Secrecy Act (BSA) and the Bank’s policies with the procedures relating to the Act. The employee will participate in training regarding BSA at least annually.
• Discretion and dedication to protecting the financial privacy of the client, business partners and employer.

ESSENTIAL JOB FUNCTIONS/RESPONSIBILITIES

• Obtain and analyze all necessary financial data to evaluate risk using credit analysis software.
• Perform assigned credit risk activities under the guidance of the Chief Credit Officer including underwriting and origination, loan renewals, annual reviews, and portfolio monitoring.
• Exercise independent judgement while developing understanding of function, policies, procedures and compliance requirements.
• Participate in meetings with customers/prospects and Business Bankers to gather and analyze information relating to credit requests.
• Analyze data to verify information and uncover fraud.
• Interact with credit administration, external auditors, Business Bankers, treasury management and wealth management, when necessary, for loan maintenance and/or troubleshooting.
• Interpret loan/legal documents and ensuring perfection of Bank’s security interest follows regulatory and legal requirements.
• Prepare and monitor loan administration reports.
• Interpret and apply loan policy guidelines when underwriting commercial and agricultural loans.
• Review and monitor files for documentation and maximize credit quality and minimize risk and potential loss.
• Prepare loan presentations for Business Bankers and committee(s) for lending consideration.

SCHEDULE/TRAVEL/STATUS

• Non-Exempt
• In-Office (Not Remote)
• Infrequent Travel

NOTICE

This job description is meant to describe the general nature and level of work being performed; it is not intended to be construed as an exhaustive list of all responsibilities, duties and other skills required for the position. Two Rivers reserves the right at any time with or without notice to alter or change job responsibilities, reassign or transfer job position or assign additional job responsibilities, subject to applicable law. Two Rivers shall provide reasonable accommodations of known disabilities to enable a qualified applicant or employee to apply for employment, perform the essential functions of the job, or enjoy the benefits and privileges of employment as required by the law.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.