Position Title: Credit Analyst

Reports To: Manager of Credit

Status: Hourly; Non-Exempt

Position Summary: The Credit Analyst position is a role primarily centered on risk management of the loan portfolio. The Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists loan officers in writing loan requests; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. The successful candidate is a detail-oriented and highly analytical professional who demonstrates strong critical thinking, intellectual curiosity, sound judgment, and the ability to proactively identify and resolve issues. The Credit Analyst serves as a trusted partner to lenders and management by delivering accurate, timely, and well-supported risk assessments that contribute to informed credit decisions and overall portfolio quality.

Principal Responsibilities and Duties:

• Provide quality internal customer service by communicating risk assessments on various types of loans from the simple to the complex.
• Analyze financial information including tax returns, accounts receivable aging, inventory reports, cash flow statements, etc. for various types of business entities and individuals.
• Analyze commercial, agricultural, consumer, and commercial real estate relationships, including evaluation of industry conditions, market trends, borrower management strength, and repayment capacity.
• Assess borrower cash flow, liquidity, leverage, guarantor strength, collateral coverage, and overall repayment capacity.
• Identify key risks, strengths, mitigating factors, and industry considerations affecting credit quality.
• Recommend appropriate risk ratings consistent with Bank policies and regulatory guidance.
• Monitor assigned credits for deteriorating trends and communicate concerns proactively to management.
• Perform collateral inspections, i.e. floor plan inspections, real estate inspections, cattle inspections, etc. and complete inspection reports
• Review and decision advance requests for draw down line of credits.
• Work with collateral processes such as UCC and Mortgage Filings.
• Review appraisals, complete appraisal reviews, and conduct internal evaluations
• Complete quarterly loan reviews of specific credits.
• Prepare clear, concise, and well-supported credit memoranda for loan committee and board review.
• Stay informed with ongoing training to learn and keep up with legal and compliance issues that affect credit decisions daily.
• Keep up to date with lending regulations and recommend changes that may affect credit decisions.
• Maintain regular and reliable attendance and punctuality following established attendance and call-in procedures.
• Perform other duties as may be required or assigned.

Supervisor Responsibilities: N/A

Education and Experience Requirements: Knowledge of finance, accounting, and economics, as would be acquired through a four-year, college level course of study & continuing education in one of the above fields. Formal credit training and/or prior experience analyzing commercial, agricultural, consumer, or real estate credits is preferred but not required. Understanding of laws, rules & regulations affecting banking/lending industry as would be acquired through 2 years of experience in banking or related field. Previous loan experience helpful but not required.

Specific Skills Required: Exceptional attention to detail and commitment to accuracy. Strong analytical and quantitative problem-solving abilities. Demonstrated critical thinking and sound decision-making skills. Ability to independently manage priorities and execute responsibilities with minimal supervision. Intellectual curiosity and willingness to investigate complex borrower situations and identify underlying risks. Strong written and verbal communication skills with the ability to clearly articulate financial analysis and credit recommendations. Ability to analyze large amounts of financial and operational information into meaningful conclusions. Effective organizational and time management skills with the ability to manage multiple deadlines. Proficiency in Microsoft Excel, including financial analysis, data manipulation, and reporting. Ability to maintain confidentiality and exercise professional judgment when handling sensitive information. Ability to challenge assumptions respectfully and constructively while maintaining strong working relationships.

Competencies: Communication, strategic thinking, teamwork, critical thinking and sound judgement, decision quality, communication & influence, adaptability, and strong collaboration.

System Accesses: Fiserv Precision, Adobe, Teslar, Microsoft Office Suite, etc.

Equipment Used: Office equipment which includes computer, multi-line phone system, multi-function unit, imaging scanner, etc.

Working Conditions: Work is performed in an office environment. Prolonged (90%) sitting and periodic (less than 10% of the time) physical exertion to manually move, lift, carry or push heavy objects or materials weighing up to 50 pounds; Constant and repetitive use of arms and hands below shoulder level for computer usage; This position exists in an office environment requiring the individual to perform normal activities including, but not limited to, lifting, filing and retrieving, operating office equipment, etc. Travel between locations may be required.

This job description describes the general nature and level of work performed by the employee assigned to this position. Responsibilities and duties describe those functions considered essential to the performance of the job. This description does not state or imply that these are the only duties and responsibilities assigned to the job. The employee may be required to perform other job-related duties as requested by their supervisor. All requirements are subject to change over time, at the discretion of your supervisor, and to possible modification to reasonably accommodate individuals with a disability.

Union State Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, sexual orientation, gender, identity, age, disability, or status as a protected veteran.