CREDIT ANALYST III

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.

Shift hours: Monday - Friday 8:00am to 5:00pm

Kirkpatrick Bank offers the following benefits (subject to eligibility requirement):

• Company subsidized health and dental insurance for employees and dependents
• Health and Dependent care flexible spending accounts, HSA account
• Company provided life insurance and long term disability
• Generous 401 (K) Match
• Paid Sick and Vacation
• Wellness Plan
• Employee Banking products and services provided

Position 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. The position requires a strong understanding of financial statements, financial analysis, and cash flow projections.

Supervisory Responsibilities: None

Essential Job Functions and Responsibilities:

• Analyze all relevant financial data and related material to prepare summaries and present facts concerning credit worthiness of businesses and individuals
• Preparing various credit related reports to include:
  • Memorandums of Review based on interim financial information to determine covenant compliance
  • Annual Reviews of existing relationships
  • 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’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’s performance compared to similar businesses.

• Prepare and/or review internal real estate evaluations for applicable loan requests
• Assists the Credit Risk Manager in the preparation of various bank reports that are presented to the Board of Directors on a monthly and/or quarterly basis
• Assists training and development of Credit Analyst I & II
• Committed to Company Mission and Core Values

The above represents general responsibilities for the position. Other duties, responsibilities, and qualifications may be required and/or assigned as necessary.

Skills and Abilities:

• Strong knowledge of accounting theory, including knowing the differences between GAAP, cash and income-tax based accounting and their effects on cash flow analysis
• Strong knowledge of CRE analysis
• Excellent understanding of business and personal financial statements and tax returns
• Excellent verbal and written communication skills
• Excellent analytical and organizational skills with ability to effectively meet specific deadlines
• High level critical thinking skills
• Strong attention to detail and the ability to work independently with little supervision
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