Credit Analyst II

Company: Midland States Bank
Location: Effingham
Posted on: May 14, 2022

Job Description:

At Midland States Bank, we believe that when we can bring our whole selves to work each day, we become happier, more comfortable, more confident and more excited to do great things for our customers, each other and our company. We're proud to be an Equal Opportunity and Affirmative Action employer. At Midland, we recruit, employ, train, compensate and promote without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. If you are looking for a place to grow, we encourage you to apply at Midland States Bank, because you belong here.Position SummaryThis position is expected to have 1-3 years of credit analysis experience. A good understanding of processes, policies, regulation and rules is expected at this level. This position is responsible for spreading and analyzing commercial and consumer financial information. The analysis is compiled into a Credit Approval Form. These tasks will be completed under limited supervision. Acts as a resource for the lending team, identifying and analyzing risk as well as performing research as needed. As a member of the Credit Administration team, this individual will assist with overall credit administration through specific assigned tasks. This individual will be held accountable for credit quality and personal goals.Primary AccountabilitiesFully understand and implement all aspects of all loan policies and bank regulations.Meets or exceeds all goals established.Attends department and bank meetings as required.Accepts other duties and responsibilities as assigned.Maintains positive attitude.Abides by all bank policies and procedures.Maintain compliance with all applicable regulations including, but not limited to, the Bank Secrecy Act (BSA).Commercial Analysts:Spreads financial information by using the bank's financial software.Perform analysis as requested and on loan relationships generally greater than $1,000,000 in aggregate credit exposure. These relationships have a degree of complexity but will not be the largest or most complex relationships in the bank's portfolio.Complete Credit Approval Forms (CAF) for credit relationships greater than $1,000,000.Retail and Business Banking Analysts:Underwrite and decision retail loan requests within loan policy and designated authority.Recommend loan decisions based upon overall credit analysis. Ability to perform all loan origination functions. This includes analysis, loan structuring, underwriting, document preparation and quality control. Position QualificationsEducation:Bachelor's Degree or experience equivalency1-3 years credit/risk analysis experienceCompetencies/Other Skills:Business insightCultivates innovationDrives resultsMakes sound decisionsBeing a brand championCollaboratesCommunicates effectivelyCustomer focusBeing AuthenticEmotional IntelligenceSelf developmentBeing flexible and adaptable If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please direct your inquiries to Midland States Bank Human Resources at HR@midlandsb.com. THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT
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Keywords: Midland States Bank, Decatur , Credit Analyst II, Professions , Effingham, Illinois