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Title

Senior Credit Analyst 

Category Credit/Collections  
Description

Summary: This position will be primarily responsible for providing underwriting expertise, assistance and support to the Business Lenders and Business Loan Admins.

This position generally underwrites complex business loan relationships exceeding $1,000,000 in aggregate. This position also has the knowledge to effectively underwrite troubled credits and government guaranteed loans including but not limited to, SBA and USDA.

Individuals in this position should possess advanced and proficient knowledge of principles, practices and procedures and have solid background and understanding of business lending and credit analysis functions as well as compliance rules and regulations as they relate to business lending and underwriting.

Essential Duties and Responsibilities: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Essential duties and responsibilities include the following:

  • Ensures timely, efficient and accurate underwriting of new loan requests, loan renewals, modifications, etc.

  • Performs in-depth credit analysis.

  • Works with Lenders and Admins to appropriately structure loan requests.

  • Coordinates and supports department in preparation and review of financial statement spreads.

  • Responsible for accuracy and consistency of the risk rating system.

  • Prepares loan underwriting documents following underwriting guidelines and policies and effectively identifies and reports exceptions to such policy.

  • Assists Lenders and Admins in obtaining required and/or requested financial statements from business loan customers.

  • Continually studies economic trends in firm's industry or branch of industry and utilizes

    industry comparison data to assess credit risk and identify early signs.

  • Proactively supports Lenders and Admins in the management of their loan renewals

  • Reviews loan supporting documents including but not limited to, UCC searches, title work, appraisals and evaluations, insurance to ensure accurate reporting of loan documentation exceptions.

  • Coordinates with the Business Operations to ensure timely and efficient imaging of loan file documentation.

  • Prepares weekly, monthly and quarterly management and Board reports.

  • Assists the Credit Manager with assigning and managing work in process.

  • Attends internal loan committee meetings.

  • Assists the Credit Manager in compiling minutes from internal committee meetings.

  • Ensures accurate communications of presentation and report changes that were discussed during internal committee meetings.

Other Responsibilities:

Perform other related duties as required or assigned that are in the spirit of this job description and position as necessary for the Bank and the Department to function effectively.

 
Location Wausau, WI  
About the Organization At IncredibleBank, we believe in our employees, our customers, and the impact we make in our communities. When your name is Incredible, it's a lot to live up to! And we feel it.

Because of that, we continually look to raise the bar, expect more out of ourselves and each other, break out of "traditional banking," and make our mark in an industry that needs a good shake-up! It's #HowWeIncredible  
EOE Statement IncredibleBank is an Equal Opportunity Employer. We will consider applicants for our positions without regard to any category protected by applicable federal, state, or local law, including but not limited to: race, color, religion, sex, gender identity, sexual orientation, pregnancy, age, national origin, physical or mental disability, military or veteran status, genetic information, or any other protected classification.  

This position is currently not accepting applications.

To search for an open position, please go to http://IncredibleBank.appone.com



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