Credit Analyst - Ames or Ankeny
Ames, IA  / Ankeny, IA 
Posted 5 days ago
Job Description
EEO/AA employer

Position Summary
This position is responsible for assisting lenders in assessing risk in the loan portfolio and ensuring strong compliance to loan policy as outlined by the bank.  This job description reflects assignment of essential duties and is subject to change (at management discretion) at any time. 

General Duties/Key Accountabilities
  • Assist loan officers in the approval of credit and ensure proper risk rating per bank policy
  • Make recommendations as to the inherent risks of extending credit to each customer
  • Evaluation of risks associated with loan applications
  • Risk must be understood and communicated to ensure credit exposure is kept to a minimum and in line with the organization’s limit on risk bearing
  • Analyze financial information, such as statements, management accounts and cash flow statements
  • Develop models of credit information to predict patterns and trends
  • Maintain loan files for proper documentation and to ensure closed files are pulled, stored and/or destroyed per policy
  • Additional duties as assigned

  • High school diploma or equivalent required; accounting or banking experience preferred
  • Working knowledge of loan policies and procedures
  • Strong background, or an ability to learn, principles in risk management
  • Strong math skills; add, subtract, multiply and divide in all units of measure
  • Exceptional oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees
  • Exceptional organizational and time management skills; ability to function well in a fast-paced environment
  • The ability to work flexible hours and shifts
  • Travel to/from and work in multiple locations; must have a valid driver’s license and reliable transportation

 To perform the job successfully, an individual should demonstrate the following competencies:
  • Initiative – is a self-starter; recognizes what and when things need to be done; seeks out new tasks and expands abilities; works for the better needs of the business, not just his/her own position.
  • Judgment – makes well thought out and timely decisions; has good perspective and remains focused on critical issues; consistently adheres to and supports company policies/procedures; requires little to no supervision to produce high quality work.
  • Accountability – Accepts responsibility for his/her own actions; can be relied upon to complete the job required; will follow through on what he/she says they will do and holds others accountable in the workplace.
  • Self Aware – recognizes how his/her actions impact others; is in tune with his/her strengths and weaknesses and takes actions to improve; learns from mistakes and shows commitment to change behaviors.
  • Growth and Customer Focus – Provides excellent customer service to everyone; supports business and revenue growth by sharing and supporting innovative ideas; focuses on opportunities to suggest new services to customers.

Work Environment
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The position summary does not state or imply that the above are the only duties and responsibilities assigned to this position. Employees assigned to this position will be required to perform any other job related duties as assigned by management. Reasonable accommodations will be made to enable individuals with disabilities to perform the essential functions.  

Physical and Mental Requirements
To perform the essential functions of this position, an employee must meet the following physical and mental requirements:
  • Frequently communicate with customers by phone and exchange accurate information in these situations
  • Occasionally lift and/or move files up to 50 pounds 
  • Constantly operates a computer and other office equipment, such as a calculator, copy machine and printer
  • Occasionally drive to/from and work in various locations/markets 

Equal opportunity employer. This company considers candidates regardless of race, color, religion, sex, sexual orientation, age, gender identity, national origin, disability or veteran status


Job Summary
Start Date
June 2020
Employment Term and Type
Regular, Full Time
Required Education
High School or Equivalent
Required Experience
1+ years
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