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Credit Analyst

Company: Busey
Location: Glenview
Posted on: September 19, 2022

Job Description:

WHAT YOU'LL BRINGDuties and Responsibilities:

  • Financial statement spreading and analysis, including calculation of Debt Service Coverage or Fixed Charge Coverage Ratios per Busey guidelines.
  • Use financial data such as cash flow, liquidity, profitability, and leverage to determine and minimize the overall risk of extending credit to businesses and individuals.
  • Work with Commercial Relationship Managers or other Lending staff to prepare clear and concise Commercial Credit Approval Request (CCAR) memos that include all pertinent information associated with the overall risk of the loan, identifying the strengths and weaknesses of the Borrower.
  • Evaluate collateral, industry data and other relevant credit information.
  • Assist with Portfolio Management duties to include testing financial covenants, monitoring monthly borrowing base reports, preparing portfolio reviews and sensitive asset reports, as assigned.
  • Assist Commercial Relationship Managers with the preparation of opportunity memos for new and existing relationships.
  • Develop a working knowledge of the Commercial Banking Loan Policy and systems, including nCino.
  • Assist with other duties or special projects as assigned.Qualifications:Knowledge:
    • Strong oral and written communication skills
    • Proficiency in Microsoft Office Suite
    • Knowledge of financial accountingAbility:
      • Multi-task and work independently
      • Analyze and solve problems
      • Take independent action within established guidelines and develop new procedures and approaches when needed
      • Perform duties under frequent time pressuresEducation:
        • Level I
          Requires Bachelor's degree with a concentration in Business or Finance.
          Requires 0-2 years of Commercial Credit experience.
          Requires knowledge of Microsoft Office.
        • Level II
          Requires Bachelor's degree with a concentration in Business or Finance.
          Requires 2 - 3 or more years of Commercial Credit experience.
          Requires knowledge of Microsoft Office.
        • Level III
          Requires Bachelor's degree with a concentration in Business or Finance.
          Requires 4 or more years of Commercial Credit experience.
          Requires knowledge of Microsoft Office. WORK ENVIRONMENT: Duties are performed in an office setting and include physical demands such as the manual dexterity and skill to operate standard office equipment. Reasonable accommodations may be made to enable people with disabilities to perform the essential functions of this position. The above statements are intended to describe the general nature of work being performed by people assigned to this job. They are not intended to be considered an exhaustive list of all responsibilities, duties, and skills of the people so classified. Busey believes that diversity and inclusion among our teammates is critical to our success as a company, and we seek to recruit, develop and retain the most talented people from a diverse candidate pool.Equal Opportunity Employment is a priority for Busey and all qualified applicants will receive consideration regardless of race, color, religion, national origin, genetic information, sex (including pregnancy), age, sexual orientation, gender (including gender identity and expression), marital status, military status, veterans status, citizenship status, work authorization status, disability, order of protection or any other characteristic protected by applicable law or other non-merit based factors.

Keywords: Busey, Glenview , Credit Analyst, Professions , Glenview, Illinois

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