Loading Credit Analyst Loading Roayl Credit Union Loading 1400 Highway 96 E Ste 1 White Bear Lake, MN 55110-1447 Job Description Loading Lake Area Bank is currently seeking a full time Sr. Credit Analyst to join our amazing team. The primary purpose of this position is to provide analytical support to Business Bankers and to facilitate sound lending decisions. Responsibilities: Review submitted credit and financial data package from lending officers to determine ability to complete timely risk and credit analysis of the loan request. Spread and analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. Prepare accurate and objective loan presentations and annual reviews in consultation with lenders' schedules and requirements. Compare liquidity, profitability, and credit histories of borrowers/guarantors with geographic and industry norms. Assess transactions with respect to credit policy; identify exceptions to loan policy and the underlying mitigates which create acceptable loan risk tolerance. Identify sources of repayment and assess reasonableness of repayment sources. Ensure compliance with loan covenants. Calculate and test performance against covenants. Develops and maintains knowledge of compliance and internal control requirements necessary to complete the job. Education & Experience Loading Bachelor's degree preferably in business, finance or accounting; or equivalent work experience required. Three or more years of commercial credit/lending experience with the knowledge of bank regulations governing lending and bank loan policies. About Loading Lake Area Bank has a strong financial performance for long-term sustainability for our customers and communities we serve with a wide range of products and services. We strive to provide the highest standard of personal service and convenience to our customers with the core purpose of making a difference. The Principles that guide our decisions: Show Initiative Achieve Results Illustrate Pride & Passion for What We Do Live with Respect Service Above Self How to Apply Loading Interested applicants must apply on-line at www.lakeareabank.com under career opportunities. EOE/AA Employer M/F/Disabled/Vet MBA Job number/Date Added Loading [vBoMBAJobBank].[JB FILENUM] + ': ' + cast(convert(varchar, [vBoMBAJobBank].[JB DATEADDED], 101) as varchar(20)) H-6514: 09/04/2019 Loading JobtitleApplyBlindadDateaddedEducFilenumJobdescAbout Credit AnalystInterested applicants must apply on-line at www.lakeareabank.com under career opportunities. EOE/AA Employer M/F/Disabled/VetFalse9/4/2019Bachelor's degree preferably in business, finance or accounting; or equivalent work experience required. Three or more years of commercial credit/lending experience with the knowledge of bank regulations governing lending and bank loan policies.H-6514Lake Area Bank is currently seeking a full time Sr. Credit Analyst to join our amazing team. The primary purpose of this position is to provide analytical support to Business Bankers and to facilitate sound lending decisions. Responsibilities: Review submitted credit and financial data package from lending officers to determine ability to complete timely risk and credit analysis of the loan request. Spread and analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. Prepare accurate and objective loan presentations and annual reviews in consultation with lenders' schedules and requirements. Compare liquidity, profitability, and credit histories of borrowers/guarantors with geographic and industry norms. Assess transactions with respect to credit policy; identify exceptions to loan policy and the underlying mitigates which create acceptable loan risk tolerance. Identify sources of repayment and assess reasonableness of repayment sources. Ensure compliance with loan covenants. Calculate and test performance against covenants. Develops and maintains knowledge of compliance and internal control requirements necessary to complete the job.Lake Area Bank has a strong financial performance for long-term sustainability for our customers and communities we serve with a wide range of products and services. We strive to provide the highest standard of personal service and convenience to our customers with the core purpose of making a difference. The Principles that guide our decisions: Show Initiative Achieve Results Illustrate Pride & Passion for What We Do Live with Respect Service Above Self