Credit Analyst I

Position Title: Credit Analyst I
Reports To: Credit Department Manager
Responsibilities:

• Developing loan applications for credit requests of current and prospective customers. Credit applications include a detailed cash flow analysis, collateral analysis and all other analysis pertaining to the strengths and weaknesses of the applicant.
• Spreading of financial information on current and prospective customers.
• Assist Senior Lender, Credit Administrator, and Lending Officers with reports used to monitor the loan portfolio, track loan delinquencies, track concentrations within the loan portfolio, etc.
• Attend loan committee and take minutes as needed.
• Ensure that all credit files are kept current with financial statements, tax returns, current loan applications, proper documentation, etc.
• Providing credit information from Credit Bureau or other agencies as requested.
• Continue to seek improvement of credit skills through seminars, training sessions and/or credit classes.
• Represent the Bank in community development activities.
• Assumes additional responsibilities as required.

Qualifications:
Education/Experience

• Bachelor's Degree required preferably in Accounting or Finance, will consider students graduating in May 2025

Skills

• Strong written and verbal communication skills
• Computer skills: especially Microsoft Office
• Strong attention to detail - with the ability to adapt to a fast paced work environment
• Ability to prioritize work flow to meet crucial time deadlines

Isabella Bank is an AA/EEO employer.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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. 41 CFR 60-1.35(c)