Jobs for People with MS: National MS Society

Credit Analyst I or II

Location Des Moines, IA

# of openings 1

Apply Now (https://phh.tbe.taleo.net/phh03/ats/careers/v2/applyRequisition?org=BANKERSTRUST&cws=37&rid=1729)

Job Brief

The Credit Analysts provide timely and quality financial spreading and analysis and assists with the preparation of approval packets for commercial loan requests and annual reviews.

There are important qualities you look for in an employer – meaningful work, community engagement, competitive benefits, commitment to employee development, and so many more. At Bankers Trust, our team members experience an inclusive and community-focused culture and we’re proud of the premier workplace we’ve created. We regularly receive best in class results through our biennial employee engagement survey. We’re also proud to receive recognition from others, including our designation as a “Best Place for Working Parents®,” being a four-time recipient of the Greater Des Moines Partnership’s Inclusion Award, and being named one of the “Best Businesses Supporting Local Charity” by readers of the Business Record.

Job Summary:

The Credit Analyst I provides timely and quality financial spreading and analysis and assists with the preparation of approval packets for commercial loan requests and annual reviews. They will calculate and determine a borrower’s compliance with loan covenants and will support the credit risk function of the bank by performing other duties as assigned.

The Credit Analyst II provides timely and quality financial spreading and analysis and calculates and determines borrower’s compliance with loan covenants. They will also assist with the preparation of approval packets for commercial loan requests and annual reviews and support the credit risk function of the bank by performing other duties as assigned.

Primary Functions and/or Responsibilities:

Credit Analyst I:

· Spread business and personal financial statements and prepare financial analysis

· Support commercial underwriting by inputting customer information into presentation format (i.e., Abrigo)

· Prepare appropriate cash flow analysis to determine borrower’s ability to service debt obligations

· Independently calculate borrower financial covenants for compliance with loan agreements

· Prepare various reports that support management reporting and tracking

· Become familiar with Loan Policy and Loan Guidelines in order to determine compliance

Credit Analyst II (in addition to above):

· Work with Commercial Portfolio Managers to understand clients request and/or current financial performance

· Independently researches and analyzes company, industry and economic data

· Successful completion of any assigned credit training

· Other duties as assigned

Education and/or Experience:

Credit Analyst I:

· BA or BS degree in Business, Accounting or Finance or Associates degree

· 0-2 years experience required

Credit Analyst II:

· BA or BS degree in Business, Accounting or Finance or Associates degree

· 2+ year(s) experience required

Specific Skills, Knowledge & Abilities:

· Some banking or other related financial experience desired

· Ability to research and understand commercial and commercial real estate lending and banking regulations

· Ability to deal effectively with customers and all levels of the bank organization

Hiring Salary Range

The hiring range below reflects targeted base salary. Actual compensation will be determined based on the candidate’s prior related experience & education and will be finalized at the time of offer. In addition to base salary, most positions are also eligible to participate in our annual bonus program. Select positions may also be eligible to earn incentives and/or commissions.

Credit Analyst I - Hiring Salary Range: $23.00 - $27.00 per hour (Annualized at 40 hours per week: $47,840 - $56,160)

Credit Analyst II - Hiring Salary Range: $54,000 - $62,500

Benefits

· Group Health, Dental, and Vision Insurance

· Generous Paid Time Off (PTO)

· Volunteer Time Off (VTO)

· 401(k) plan with lucrative company match

· Tuition assistance

· Company Paid Life Insurance

· Paid Parental Leave

· Lifestyle Accounts that provide employees with reimbursement for the things that are most important to them such as childcare, student loan payments, gym memberships, pet insurance and much more.

· Team Member Banking - a suite of products and services with special benefits for employees

Hybrid Eligibility: Position may be eligible for a hybrid work schedule (requiring some days in the office each week).

AFFIRMATIVE ACTION/EQUAL OPPORTUNITY EMPLOYER

“PROTECTED VETERANS” AND “INDIVIDUAL WITH DISABILITY”