Credit Analyst (40645)

POSITION SUMMARY

Consistently delivers the Landmark National Bank promise that Everyone starts as a customer and leaves as a friend by supporting the commercial banking function through assessing risk, as well as making and documenting sound lending decisions. Works in an environment where individuals are trusted to work independently and as part of a productive, successful team.

QUALIFICATIONS YOU POSSESS

• Must understand and evaluate complex financial statements and tax returns
• Previous lending experience, loan underwriting experience, and/or education necessary to evaluate and assess elements of credit risk is preferred
• Skills necessary to work independently, be detail oriented and organized

WHAT YOU WILL DO

• Prepare financial spreads for large and complex credits.
• Evaluate all aspects of real estate collateral for consumer and commercial loans.  This includes verifying valuations are completed within regulatory requirements and in accordance with LNB policies.
• Prepare various management reports using multiple software applications.
• Order third party independent appraisals for consumer and commercial loans as needed.
• Assist in preparation of loan approval reports, including the assessment of risk, and periodic management reports related to the lending and credit risk functions. 
• Manage your professional improvement through the utilization of the quarterly Job Progress Plan .
• Engage in Landmark National Bank culture initiatives and team success activities, including daily huddles and Hoopla events.
• Adhere to bank policies and procedures.
• Perform other duties and projects as assigned.

PHYSICAL DEMANDS

• The physical demands listed below are a requirement to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• While performing the duties of this job the employee is frequently required to sit or stand for long periods of time, speak, and listen; use hands to touch and grasp objects; and to reach with hands and arms.  The employee is occasionally required to move about the banking facility. Visual ability to view a computer screen for long periods of time is required.
• The employee must occasionally lift and/or move up to 25 pounds.

BENEFITS WE OFFER YOU

• Group health insurance options
• Health savings accounts
• Flexible spending accounts
• Dental insurance
• Vision insurance
• Life Insurance fully paid
• Long-term disability fully paid
• 401k options
• 401k Matching and Profit Sharing Retirement Plan
• Paid Time Off (PTO) program
• 11 paid holidays
• Discount on various bank services
• Employee Referrals
• Wellness Reimbursements
• 529 College Savings Plan Payroll Deduction