Credit Analyst

As part of our team, you’ll be empowered through the bank’s investment in employee education to continuously grow as a professional. We invite you to join our team of trusted, local bankers that leave our communities saying, “We’ve never been treated like that by a bank.” CFB is proud to have been named a Best Place to Work in Indiana for 8 consecutive years by the Indiana Chamber of Commerce. And, we’re always looking for the best and brightest to join our team!

Benefits:

• Health, Dental, Vision Insurance
• Bank Paid Life Insurance
• Paid Short-Term & Long-Term Disability
• Generous Matching 401(k) Retirement Plan
• 3 weeks of Paid Time Off (immediate accrual)
• Access to Earned Wages
• Wellness Program
• Competitive Salary
• Tuition Reimbursement
• Paid Holidays and 3 Float days
• Maternity/Paternity paid leave
• Annual bonus eligibility
• Community Service Projects

Job Description: Credit Analyst

Objective: The Credit Analyst is responsible for the research and analysis of business and personal financial information (Financial statements and tax returns) and preparation of written credit summaries with the goal of identifying the key decision factors for the credit decision for commercial applicants.   

Classification: This is a Full-Time exempt position and reports to the Credit Manager.

Job Location(s): Howard or Hamilton County.  

Essential Functions: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Prepares spreadsheets as analytical tools.
• Determines credit worthiness of applicants by making recommendations to Credit Manager and Loan Officers / Loan Committees.
• Prepares written Credit Summary Reports for new and existing business clients and prepares risk ratings for the relationships reviewed.
• Compiles monthly reports for presentation to the Bank’s Board of Directors.
• Produces quarterly special asset credit recap reports
• Participates with other customer monitoring, including floor plan checks or collateral audits.

Other Duties:
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. 

Competencies

• Strong Written / Verbal Communication Proficiency
• Self-starter who works independently
• Attention to detail/Thoroughness
• Problem Solving abilities /Analytical / goal-oriented
• Desire to work in a fast-paced working environment
• Thorough Accounting knowledge, with the focus on interpreting financial statements and tax returns

Education and Experience:

• Bachelor’s degree in Finance, Accounting or related business field. 
• Previous related experience preferred, but not required
• Strong mathematical and analytical skills
• Sense of discretion and willingness to maintain strict confidentiality of pertinent and sensitive information
• Able to research and evaluate data to make informed decisions and solve problems

CFB provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.