Job Description

The Loan Analyst is responsible for coordination of the loan analysis activities. He or she assists commercial lenders with credit analysis and credit approval packages. The Loan Analyst performs analysis of financial statements, cash flows and pricing analysis. He or she completes the background portion of the credit approval package. The Loan Analyst prepares presentation materials for new and additional credit proposals. He or she independently researches and analyzes company and industry data. The Loan Analyst may provide recommendations for loan terms and pricing structure to commercial loan officers. He or she organizes loan information for the Senior Loan Committee. The Loan Analyst completes the required reports and records. He or she provides high-level assistance to commercial loan officers, senior loan committee and other loan analysts. The Loan Analyst takes ownership of work completed and reviews for errors prior to sending out the final product. He or she anticipates the needs of others in all work performed, including providing the proper analysis per type of loan and providing organized and easy-to-follow paperwork and reports to others.

Qualifications

• Must be at least 18 years old
• High school diploma or GED required
• 4–5 years' experience in commercial lending or financial statement review
• Knowledge of general loan documentation
• Accurate and attentive to detail
• Well organized
• Good typing skills
• Willing and able to help others
• Able to use a computer, adding machine, copy machine, and basic business equipment
• Able to get along well with coworkers
• Knowledge of Microsoft Office computer applications
  
  

Responsibilities

• Assumes responsibility for the effective performance of loan analysis functions
• Gathers and analyzes financial data for commercial loans including, but not limited to, preparing cash flow analysis, financial statement spreads and agricultural budgets and reconciliations
• Assists lending officers in preparation of credit memorandums for presentation to the Senior Loan Committee
• Reviews senior Loan Committee loan submissions to assess risk. Reviews loan terms and pricing structure and makes recommendations for modifications or changes according to lending guidelines and or guidance from the Vice President Commercial Credit Administrator, Executive Vice President Chief Credit Officer or the Senior Loan Committee
• Maintains a database of all loans analyzed, including any recommendations for changes to current risk rating, if applicable
• Studies economic trends in the banking industry in order to predict the probable success of new customers
• Conducts collateral analysis in order to determine risk involved with loans
• Assumes responsibility for establishing and maintaining effective communication and coordination with area personnel and with management
• Assists and supports commercial lending personnel as needed
• May periodically develop and conduct loan officer training regarding cash flow analysis, loan pricing and related information as needed
• Assists in the preparation of Senior Loan Committee reports. May periodically participate in weekly Senior Loan Committee meetings.
• Maintains a database of all loans analyzed, including any recommendations for changes
• Maintains and projects the Bank's professional reputation
• Keeps management informed of area activities and any significant problems or concerns
• Attends meetings as required
• Serves as a representative for D.L. Evans Bank in the community
• Promotes D.L. Evans Bank at all times
• Completes special projects as assigned
  
  

Company Description

D.L. Evans Bank is a community bank and has been since 1904. For many years, we have provided premier banking services to the residents of Southern Idaho and Northern Utah while fostering a working environment for our employees dedicated to teamwork and excellent customer service. If you are a dynamic and customer-driven individual, whether an experienced banker or just beginning your career, we encourage you to continue with this applicant friendly, online job application!

D.L. Evans Bank is an Equal Opportunity Employer (EOE/AA/W/M/Vets/Disabled). VEVRAA Federal Contractor.

Benefits

• Medical Insurance
• Dental Insurance
• Vision Insurance
• FSA
• 401(k)
• Employee Stock Ownership Plan
• Paid Vacation
• Sick Time
• Life Insurance
• Long-term Disability Insurance