Overview

Description: What You'll Be DoingAs a Credit Analyst at Bank Iowa, you will analyze loan requests, establish standards and manage submission and completion process for commercial loan requests bank-wide, generally in excess of $500M of total commitments. This role analyzes complex commercial loan requests, identifying strengths and weaknesses, providing recommendations for both loan structure and monitoring, and noting any deviations from loan policy, as appropriate. Also reports on on-going status of submissions in commercial credit request queue. Core ResponsibilitiesDevelops and maintains submission standards to commercial credit underwriting department.Maintains bank-wide commercial credit underwriting queue, ensuring timely completion of all requestsReads and comprehends complex accounting and financial transactions necessary in the analysis of commercial credit requestsEvaluates and spreads client financial information within Lending Cloud, the bank's analytical and spreading platformAnalyzes and comments on client financial information as it relates to performance, efficiency, and trends of the following: Balance sheets, income statements, tax returns and supplemental schedules, such as accounts receivable agings, accounts payable agings, rent rolls, and other common accounting information.Calculates risk ratings based on available financial informationProvides recommendations for industry standard loan covenants, tracking mechanisms, reporting quality and frequency based on available information.Prepares credit presentations for commercial credit requests which serve as the basis for bank-wide approval processes.Documents known exceptions to loan policy within credit presentations.Has access to confidential information relating to customers and accounts. Protects the privacy and confidentiality of customers, other employees, and work. Responsible for respectful and constructive interaction with both internal clients (loan officer staff) and possibly external clients at the direction of loan officer staff.Provides guidance and recommendations to loan officer staff in a professional manner consistent with high-quality client service standards.Provides guidance and personal development feedback for credit analyst staff as a mentor and trainer.Interacts with a variety of professionals and represents the bank in interactions with bank clients and other professionals.This is a full-time position and typical work hours and days are Monday through Friday 8:00 AM to 5:00 PM. Requirements: Skills/Experience You'll NeedBachelor's degree in finance, accounting, or other applicable majors.4-6 years' experience as a Commercial Credit Analyst, or comparable role.Ideal candidates will have experience using Moody's Lending Cloud, have excellent verbal, written and interpersonal communication skills, show strong financial and analytical skills, and have proficiency with Microsoft Office applications.What you'll love about usOur team members love working here, and the prevailing reason is this: our people. In addition to the great team you will be a part of, here are some of the other reasons why our team members love working here:A competitive financial package we want you to bring your best so in addition to your compensation, every team member receives a bonus opportunity, a generous 401k match, and discretionary profit sharing.Robust benefits and wellness - we are proud to offer health, dental and vision insurance as well as a wellness program designed to help drive down your premiums for benefits-eligible team members. Our wellness initiatives promote positive change and allow our team members to think big.Blending work and life - As a people-centered organization, each team member is provided a generous PTO bank. Bank Iowa team members receive 11 paid observed holidays, 100% paid parental leave, an opportunity for sabbatical leave, generous bereavement, and an employee assistance program designed to support team members throughout