Credit Analyst

Credit · Kokomo, Indiana
Department Credit
Employment Type Full-Time
Minimum Experience Experienced

Come join one of the Best Places To Work in Indiana! At Community First Bank of Indiana (CFB), new ideas, new technologies and new ways of thinking are driving our culture. Our core values are: Servant Leadership, Family, Client Focused, Community Involvement, and Integrity & Humility. We are a highly successful and growing bank that offers future advancement opportunities. 


Objective:

The Credit Analyst is responsible for the research and analysis of business and personal financial information (Financial statements and tax returns) and preparation of written credit summaries with the goal of identifying the key decision factors for the credit decision for commercial applicants.   

 

Classification: This is a Full-Time exempt position and reports to the Credit Manager.

 

Job Location: Howard County – Kokomo, IN or Hamilton County- Westfield / Noblesville


Essential Functions:
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Prepares spreadsheets from business tax returns and financial statements and uses these as analytical tools.
  • Determines credit worthiness of applicants by making recommendations to Credit Manager and Loan Officers / Loan Committees.
  • Prepares written Credit Summary Reports for new and existing business clients and prepares risk ratings for the relationships reviewed.
  • Compiles monthly reports for presentation to the Bank’s Board of Directors.
  • Produces quarterly special asset credit recap reports
  • Participates with other customer monitoring, including floor plan checks or collateral audits.


Competencies

  • Strong Written / Verbal Communication Proficiency
  • Self-starter who works independently
  • Attention to detail/Thoroughness
  • Problem Solving abilities /Analytical / goal-oriented
  • Desire to work in a fast-paced working environment
  • Thorough Accounting knowledge, with the focus on interpreting financial statements and tax returns


Other Duties:
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. 


Education and Experience:

  • Bachelor’s degree in Finance, Accounting or related business field. 
  • 3-years of Previous related financial statement / credit analysis experience required
  • Strong mathematical and analytical skills
  • Sense of discretion and willingness to maintain strict confidentiality of pertinent and sensitive information
  • Able to research and evaluate data to make informed decisions and solve problems


Benefits:

  • Health, Dental, Vision Insurance
  • Bank Paid Life Insurance
  • Generous Matching 401(k) Retirement Plan
  • 3 weeks of Paid Time Off (immediate accrual)
  • Access to Earned Wages
  • Wellness Program
  • Competitive Salary
  • Tuition Reimbursement
  • Paid Holidays and 3 Float days
  • Maternity/Paternity paid leave
  • Annual bonus eligibility
  • Community Service Projects


CFB provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

Thank You

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  • Location
    Kokomo, Indiana
  • Department
    Credit
  • Employment Type
    Full-Time
  • Minimum Experience
    Experienced