Credit Analyst - Des Moines

Company Name:
Lincoln Savings Bank
Duties and Responsibilities
Works closely with lenders to analyze and structure loans, assists with the credit approval process, and closely monitors completed transactions. This role will focus on supporting lenders while further developing credit analysis skills.
1. Prepares financial spreads using the Bank's spreading software and analyzes the trends and ratios of new and existing borrowing relationships.
2. Prepares cash flow and collateral analysis for presentation to lenders and subsequently credit administration and loan committee to ensure optimum credit quality, profitability, and policy adherence.
3. Supports loan officers regarding the structure of credit presentations and monitors loans through the approval process.
4. Monitors existing loans to ensure complete conformity with terms and credit quality. Utilizes internal reports to identify and recommend corrective action when necessary to ensure the stability of the loan portfolio.
5. Conducts assessments of collateral as needed to ensure quality and soundness of the Southern Metro (Des Moines) region loan portfolio. This may include construction inspections.
Necessary Skills and Attributes
1-3 years of commercial loan and/or credit assistant experience
Excellent communication skills
Demonstrated ability to work with others in a team environment
Salary Range: -Commensurate with Experience
Business Unit: Bank
Location: Clive, IA 50325

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