This person reviews loans in accordance with the bank's Loan Policy and Guidelines. This person should have an extensive understanding of all types of commercial and agricultural credits, along with the ability to make recommendations on how to minimize the bank's exposure and ensure that lending practices conform to established policy.  

Qualifications: This person should have a bachelor’s degree, plus ten years of work-related experience or the equivalent. Strong proficiency in project management is needed. Good communication skills, an aptitude toward detail, and understanding of all Loan Policy and Guidelines.  

Principal Responsibilities: 

• Analyze and risk rate most complex credit lines and critique the credit classifications assigned by the Loan Officers. The analysis must be consistent with the findings of the appropriate regulatory agencies.  

• Spread, analyze and review financial statements for highly complex current and prospective borrowers in a variety of industries using tax returns, financial statements, credit reports and other reporting as needed or requested.  Calculate cash flow for more complex borrowers and guarantors.  Analysis may include projections, trends and ratio analysis.  Summarize and analyze findings in the bank’s written credit presentation. 

• Prepare annual reviews on borrowing relationships in accordance with loan policy.  

• Analyze the very intricate credit requests for the SBA portfolio.   

• Monitor covenant compliance with loan agreements.  

• Provide mentoring and training less experienced staff.  

• Present loan files or credit lines not meeting the standards of Loan Policy and Guidelines to the Credit Analyst Manager or Loan Officer with a detailed explanation of the credit exceptions and the recommended action necessary to correct the deficiencies and improve the bank's position.  

• In the event of minor technical documentation discrepancies or identified potential credit weakness, communicate directly with the Loan Officer and Credit Analyst Manager, requesting correction of the discrepancies and recommending alternatives for improving the credit lines. Perform follow-up action as necessary until corrected.  

• As needed, attend Loan Committee meetings where credit lines are presented for final approval, recommended action, and classification. 

• As required, perform services and projects for the department and the bank,  

• Attend Credit Department and other committee meetings as requested by management to participate in decisions that affect ongoing and future operations of the department. 

• Act in accordance with FBT policies and procedures as set forth in the employee handbook. 

• Adhere to compliance procedures and participate in required compliance training.