Credit Analyst
Company: Northwest Financial Corporation
Location: West Des Moines
Posted on: August 2, 2022
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Job Description:
Essential Functions & ResponsibilitiesInclude, but are not
limited to:Analyzes applicant financial statements pertinent to
loan requested.Analyzes applicant financial status, credit, and
property evaluation to determine feasibility of granting loan and
makes recommendation.Compiles loan package and facilitates
negotiation of loan structure with loan officer, including fees,
loan repayment options, and other credit terms.Prepares loan
presentations for loan officers to submit to loan committee for
approval.Serves as a backup for other position(s) and performs
other duties, as assigned.Enhances career through work experience
and continuing education.Maintains compliance with federal, state
and local laws and regulations.Participates and responds to
examinations, audits and third party reviews.Complies with the
Information Security Program and is accountable for maintaining a
high level of risk and security awareness.Establishes a good image
for the Bank by being active and visible in the community.Attends
meetings as assigned.Develops a working knowledge of the Bank's
products and services through usage and webex attendance to provide
quality customer service while building relationships and exceeding
expectations.Supervisory ResponsibilitiesThis job has no
supervisory responsibilities.QualificationsTo perform this job
successfully, an individual must be able to perform each essential
function satisfactorily. The requirements listed below are
representative of the knowledge, skill, and/or ability required.
Reasonable accommodations may be made to enable individuals with
disabilities to perform the essential functions.Education &
ExperienceBachelor's degree required; one to three years of related
experience and/or training required; or equivalent combination of
education and experience.LanguageAbove average verbal and written
communication skills. Ability to read, analyze, and interpret
general business periodicals, professional journals, technical
procedures, or governmental regulations. Ability to write reports,
business correspondence, and procedure manuals. Ability to
effectively present information and respond to questions from
groups of managers, clients, customers, and the general
public.MathAbility to calculate figures and amounts such as
discounts, interest, commissions, proportions, percentages, area,
circumference, and volume. Ability to apply concepts of basic
algebra and geometry.Reasoning Ability to define problems, collect
data, establish facts, and draw valid conclusions. Ability to
interpret a variety of instructions in written, mathematical or
diagram form and deal with several abstract and concrete
variables.Certificates, Licenses, RegistrationsMust have a valid
driver's license and be willing to travel to outlying branch areas,
as business needs dictate.Physical DemandsThe physical demands
described here are representative of those that must be met by an
employee to successfully perform the essential functions of this
job. Reasonable accommodations may be made to enable individuals
with disabilities to perform the essential functions.While
performing the duties of this light physical work position, the
employee is regularly required to sit, talk or hear. The employee
is occasionally required to stand, walk, use hands to finger,
handle or feel, reach with hands and arms, climb or balance, stoop,
kneel, crouch, or crawl. The employee must frequently lift and/or
move up to 10 pounds and occasionally lift and/or move up to 25
pounds. Specific vision abilities required by this job include
close vision, distance vision, color vision, peripheral vision,
depth perception, and ability to adjust focus. Close up visual
attention to detailed materials and effective hearing/verbal
communication skills are needed. Must make accurate visual
inspection of printed and/or written materials. Must be able to
follow written and oral instructions. Regular customer service
problem solving using established variables.Work EnvironmentThe
work environment characteristics described here are representative
of those an employee encounters while performing the essential
functions of this job. Reasonable accommodations may be made to
enable individuals with disabilities to perform the essential
functions.While performing the duties of this job, the employee is
occasionally exposed to moving mechanical parts and outside weather
conditions. The noise level in the work environment is usually
moderate.Equal Opportunity Employer/Protected Veterans/Individuals
with DisabilitiesThe 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)
Keywords: Northwest Financial Corporation, West Des Moines , Credit Analyst, Professions , West Des Moines, Iowa
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