at First Federal Savings Bank of Twin Falls in Twin Falls, Idaho, United States
Job Description
Credit Administration
The Credit Analyst will report to the Credit Analyst Supervisor.
Job Overview
The Credit Analyst evaluates the strengths and weaknesses of a commercial loan relationship to determine the degree of risk involved in extending commercial credit. This position will collaborate with Commercial Lending throughout the entire loan process.
Essential Responsibilities
The Credit Analyst will:
- Prepare the detailed Credit Memorandum within First Federal’s defined commercial underwriting standards.
- Spread financial data and prepare financial analysis for assigned commercial credit requests.
- Form preliminary questions to drive underwriting and loan eligibility.
- Identify and assess potential risks associated with the credit, including financial, operational, and industry-specific risks.
- Partner with Commercial Loan Officers (CLO) throughout the underwriting process.
- Perform credit risk analysis as requested by a CLO, including annual reviews, monitoring loan covenants, and assisting with asset classification. The Credit Analyst will escalate concerns to CLO, supervisor, or Chief Credit Officer (CCO).
- Complete other duties as assigned.
Minimum Qualifications
- A bachelor’s degree in accounting, finance, or equivalent.
Preferred Qualifications
- Two (2) years working experience in the analysis of financial information (financial statements, tax returns, etc.).
Job Requirements
- Reliable transportation to/from work.
- Sitting or standing for extended periods of time and requires ability to work and operate computer applications and equipment.
- Able to perform essential responsibilities of the job with or without reasonable accommodations.
