Credit Analyst

Basic Function

Conduct credit investigations and analyze credit information pertaining to business and agriculture loans. Prepare reports as assigned.

Essential Function

1. Analyze and interpret financial statements including proforma and projections using trend analysis, ratio analysis, cash flow analysis,

discounted cash flow analysis and industry averages, as well as macro/industry trends review. This could include working with the

loan officer and/or the potential/present customer when necessary to obtain the needed data.

2. Review credits for document deficiencies and perfection while reviewing the financial condition of the firm. This includes making

recommendations as to what documentation is required for potential loans.

3. Provide a written review of the details uncovered while analyzing the financial statements. This includes providing

recommendations and concerns regarding the prospective/present customers.

4. Investigate potential or existing corporate borrowers by performing UCC Searches, Credit Reports, First Research Reports, Internet based

searches, and any other investigations which are necessary for the review of the credit.

5. Complete loan review of existing credits working closely with the respective loan officer to gain a comprehensive view of the

customer, including on-site collateral inspections.

6. Generate monthly and annual reports on the loan portfolio as requested.

7. Respond to and resolve customer service requests according to Great Western policies in a prompt, efficient and courteous manner at

all times.

8. Perform other job-related duties or special projects as assigned.

Requirements

1. Degree in Business, Finance, Accounting or related field preferred.

2. 1 – 2 years of Finance or Accounting experience.

3. Credit analysis, real estate banking or accounting experience preferred.

4. Must be detail oriented with strong math skills and customer service skills.

5. Demonstrate excellent verbal and written communications.

6. Strong PC skills (MS Word, Excel, Access, PowerPoint applications).

• Great Western Bank is an Equal Opportunity employer committed to providing equal employment and advancement opportunities to all qualified individuals without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity,
  veteran status, or disability status. Great Western Bank is also an Affirmative Action employer – Minority / Female / Disabled / Veteran.
• Please view Equal Employment Opportunity Posters provided by OFCCP
  here .
• The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access
  to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure
  is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information.