CREDIT ANALYST II

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    "jobTitle": "CREDIT ANALYST II",
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    "description": "<p><span style=\"font-family:Arial,Helvetica,sans-serif\">Kirkpatrick Bank hires individuals who are committed to building long lasting relationships by delivering high quality customer service to all of our customers and within our communities. In return Kirkpatrick strives to offer a competitive and comprehensive benefit package.</span></p>\r\n\r\n<p><span style=\"font-family:Arial,Helvetica,sans-serif\"><strong>Shift hours</strong>: Monday - Friday, 8:00am to 5:00pm</span></p>\r\n\r\n<p><span style=\"font-family:Arial,Helvetica,sans-serif\"><strong>Kirkpatrick Bank offers the following benefits</strong> (subject to eligibility requirement)<strong>: </strong></span></p>\r\n\r\n<ul>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Company subsidized health and dental insurance for employees and dependents</span></li>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Health and Dependent care flexible spending accounts, HSA account</span></li>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Company provided life insurance and long term disability</span></li>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Generous 401(K) Match</span></li>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Paid Sick and Vacation</span></li>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Wellness Plan</span></li>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Employee Banking products and services provided</span></li>\r\n</ul>\r\n\r\n<p style=\"margin-left:0in; margin-right:0in\"><span style=\"font-family:Arial,Helvetica,sans-serif\"><strong>Position Summary: </strong> This person is responsible for underwriting, analyzing, and monitoring the financial condition and credit worthiness of individuals and businesses applying for commercial and real estate related loan requests. The position requires a strong understanding of financial statements, financial analysis, and cash flow projections. </span></p>\r\n\r\n<p style=\"margin-left:0in; margin-right:0in\"><span style=\"font-family:Arial,Helvetica,sans-serif\"><strong>Essential Job Functions and Responsibilities:</strong></span></p>\r\n\r\n<ul>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Analyzes all relevant financial data and related material to prepare summaries and present facts concerning credit worthiness of businesses and individuals.</span></li>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Preparing various credit related reports to include:</span>\r\n\t<ul style=\"list-style-type:circle\">\r\n\t\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Memorandums of Review based on interim financial information to determine covenant compliance</span></li>\r\n\t\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Annual Reviews of existing relationships</span></li>\r\n\t\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Credit Memorandums for approval of new credit facilities or renewal of existing credit facilities. Includes working with Loan Officers to determine credit structure and terms. Requires knowledge of Bank&rsquo;s Lending Policy and identification of exceptions to Policy, and analysis of financial statements and other information to determine the degree of risk involved in extending credit, including background and industry risk and Applicant&rsquo;s performance compared to similar businesses</span></li>\r\n\t</ul>\r\n\t</li>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Prepare internal real estate evaluations for applicable loan requests</span></li>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Assists training and development of Credit Analyst I</span></li>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Committed to Company Mission and Core Values</span></li>\r\n</ul>\r\n\r\n<p style=\"margin-left:0in; margin-right:0in\"><span style=\"font-family:Arial,Helvetica,sans-serif\">The above represents general responsibilities for the position. Other duties, responsibilities, and qualifications may be required and/or assigned as necessary.</span></p>\r\n",
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In return Kirkpatrick strives to offer a competitive and comprehensive benefit package.\\r\\n\\r\\nShift hours: Monday - Friday, 8:00am to 5:00pm\\r\\n\\r\\nKirkpatrick Bank offers the following benefits (subject to eligibility requirement): \\r\\n\\r\\n\\r\\n\\tCompany subsidized health and dental insurance for employees and dependents\\r\\n\\tHealth and Dependent care flexible spending accounts, HSA account\\r\\n\\tCompany provided life insurance and long term disability\\r\\n\\tGenerous 401(K) Match\\r\\n\\tPaid Sick and Vacation\\r\\n\\tWellness Plan\\r\\n\\tEmployee Banking products and services provided\\r\\n\\r\\n\\r\\nPosition Summary:  This person is responsible for underwriting, analyzing, and monitoring the financial condition and credit worthiness of individuals and businesses applying for commercial and real estate related loan requests. 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    "qualifications": "<p style=\"margin-left:0in; margin-right:0in\"><span style=\"font-family:Arial,Helvetica,sans-serif\"><strong>Skills and Abilities:</strong></span></p>\r\n\r\n<ul>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Strong knowledge of accounting theory, including knowing the differences between GAAP, cash and income-tax based accounting and their effects on cash flow analysis</span></li>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Excellent understanding of business and personal financial statements and tax returns</span></li>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Excellent verbal and written communication skills</span></li>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Excellent analytical and organization skills</span></li>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Strong attention to detail and the ability to work independently with little supervision</span></li>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Strong proficiency with Microsoft Office Suite (especially Microsoft Excel) and ability to learn other software related to financial spreads and monitoring of credit facilities</span></li>\r\n</ul>\r\n\r\n<p style=\"margin-left:0in; margin-right:0in\"><span style=\"font-family:Arial,Helvetica,sans-serif\"><strong>Education and Experience:</strong></span></p>\r\n\r\n<ul>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Bachelor&rsquo;s degree in Business, Finance, Accounting, or related field</span></li>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Minimum 3&nbsp;years of credit analysis experience</span></li>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Previous experience using Abrigo/Sageworks software is preferred</span></li>\r\n</ul>\r\n\r\n<p style=\"margin-left:0in; margin-right:0in\"><span style=\"font-family:Arial,Helvetica,sans-serif\"><strong>Physical Requirements and Working Conditions: </strong></span></p>\r\n\r\n<ul>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Prolonged periods sitting at a desk and working on a computer</span></li>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Must be able to lift up to 25 pounds</span></li>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Professional office environment</span></li>\r\n\t<li><span style=\"font-family:Arial,Helvetica,sans-serif\">Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions</span></li>\r\n</ul>\r\n\r\n<p><span style=\"font-family:Arial,Helvetica,sans-serif\">Kirkpatrick Bank is an Equal-Opportunity Employer who offers EEO to all persons without regard to race, color, religion, age marital or veterans status, sex, national origin, physical or mental disability or any other legally protected class.</span></p>\r\n",
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