Rawlins National Bank is looking for an experienced Credit Analyst to join our growing team! Position could work out of any of our Colorado or Wyoming locations.We offer competitive pay, health, dental, vision, life insurance, paid vacation, 401K and a bonus program.POSITION:The Credit Analyst is responsible for completing independent analysis for agricultural, commercial and construction loan requests for moderate to complex borrowers for underwriting and review purposes by performing the following duties:ESSENTIAL DUTIES AND RESPONSIBILITIES:•Analyze financial statements and tax returns of varying levels of quality to develop initial assessment by identifying strengths and weaknesses pertaining to borrower’s historical performance.•Review and complete independent credit analyses of agricultural, commercial and construction loan requests of varying sizes, complexity, structure and industry.•Independently discuss alternative structures, overall assessments and turnaround requirements with Lenders regarding their own work or the work of others in the department.•Prepare and review in depth written analyses, including but not limited to financial statement spreads, for relationships of all sizes and levels of complexity, including those with greatest exposure.•Research industry specific data from outside sources, including information from borrower, industry publications, references from other financial institutions, credit agencies and the internet.•Provide and review written analyses that include strengths and weaknesses of credit approval, denial or alternative structure to Lenders.•Assist in preparing and finalizing loan committee packets for distribution.•Attend various committee meetings including loan committee to answer questions pertaining to credit analyses.•Verify compliance with laws, regulations and Bank policies including enforcement of Bank loan policies and credit culture.•Participate in customer meetings as requested by Lenders.•Assist in report enhancement and reporting to the Board of Directors and Regulatory Agencies.•Assist Lenders in performing and completing property inspections and market evaluations.•Assist Chief Credit Officer in preparation of management reports to include the ALLL, Concentration CRE, OREO and Problem Loan reports.•Adhere to applicable Federal and State banking laws and regulations.NONESSENTIAL DUTIES AND RESPONSIBILITIES:•Provide technical expertise to other loan department staff.•Participate in various special projects as assigned.•Perform all other duties as assigned.The Rawlins National Bank is an Equal Opportunity Employer, Affirmative Action Employer.
Education/Experience:•Bachelor's degree (B. A.) from four-year college or university, preferably in accounting and/or finance; or equivalent combination of education and experience.Skills:•Proficient in Microsoft Word and Excel software.•Excellent written and oral communication skills.•Strong analytical skills.•Able to work independently to meet deadlines.
Additional Salary Information: Depends on experience
The Rawlins National Bank was founded in 1899 in Rawlins, WY. Since that time RNB has expanded to include branches in Saratoga and Hanna, WY, Longmont, CO and a loan production office in Lakewood, CO. We are proud to be serving our communities for over 118 years!