Credit Analyst II

Bravera Bank is hiring for a Credit Analyst II at any of our locations. Bravera is an employee- and director-owned company that is committed to helping our employees forge a new path in their career. We work together to drive continuous improvement which enhances the customers experience and keeps our organization moving forward. A Credit Analyst will analyze borrower’s financial statements to determine the risk involved in extending credit to businesses, compile credit presentations, and research support material for loan portfolio. They will work on complex credits, assist leads with projects, mentor other analysts, and perform Moody’s system administration.

Duties and Responsibilities:

Analysis of financial information of new and existing borrowers using sound judgment on cash flow and credit worthiness.
Assist lenders in constructing financial statement spreads and analyzing financial statements for credit quality including financial ratios, cash flow analysis, collateral analysis, repayment analysis on new and existing loans and applications, etc.
Assist lenders in conducting research and completing loan forms and other documentation, as needed.
Compile financial information in a standardized format for credit presentation by lenders.
Provide objective risk rating for loans based on financial strength of the borrower.
Assist lenders in analyzing loan covenant to debt compliance, as needed.
Assist lenders with general research and administrative recordkeeping, loan documentation, filing, etc.

Assist lenders with internal file review.
Assists lenders with developing existing and new customer relationships.

Qualifications:
Required:

Five years of experience as a commercial and/or ag credit analyst.
Strong analytical skills.
In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis.
Effective technical report writing skills.
Effective verbal and written communication skills.
Proficient computer navigation skills using multiple software packages.
Detail-oriented with an emphasis on accurate output.
Initiative to produce high quality work.
Effective time management skills.

Preferred:

Bachelor’s degree in accounting, finance, economics, business administration, farm/ranch management, or related field.

For additional details and to apply, please visit bravera.bank/careers