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Credit Analyst

Company: Home State Bank National Assn
Location: Crystal Lake
Posted on: November 22, 2021

Job Description:


ESSENTIAL DUTIES
Prepare financial statement spreads on a timely basis, for businesses and individuals, including cash flow analysis, line usage charts and financial projections as assigned by the Credit Manager to support the Commercial Lending Department.
Prepare detailed written credit analyses on all commercial loans required in accordance with the Bank's commercial loan policy. -These write ups provide support for existing and new loan relationships and many times are presented to the Directors' Loan Review Committee for approval. -In these analyses, the analyst is expected to propose appropriate credit risk ratings for loans and identify loan policy exceptions.
Conduct comprehensive reviews of appraisals that secure commercial real estate transactions of the Bank. -These reviews are used to ensure the appraiser used sound methodology.
Perform property evaluations for existing CRE loans.
Assist the Credit Manager as necessary in tracking financial statement information, obtaining -external credit reports and industry data -to support the Bank's loan portfolio analysis.
Participate in -the -Bank's development and training programs to further skills and/or promote bank services.
Interact with the loan department, borrowers, appraisers and accountants as needed in a professional manner.
TRAINING AND EXPERIENCE
Bachelor's Degree Required (Accounting or Finance or Business with Accounting emphasis)
Or - - Commensurate experience
Home State Bank offers competitive pay and a generous benefit package, including medical, dental and vision insurance; life and disability insurance; 401k with company match; paid vacation, sick days and legal holidays!
Our goal is to be a diverse workforce that is representative, at all job levels, of the customers we serve. -Home State Bank is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.

Keywords: Home State Bank National Assn, Crystal Lake , Credit Analyst, Professions , Crystal Lake, Illinois

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