Credit Analyst

IBC Bank successes are the result of an aggressive and innovative attitude. The Bank's "We Do More" philosophy reflects its dedication to the growth and success of its employees, customers and communities.   IBC bank hires talented, creative and dedicated individuals to help our business succeed.  We are a company that values leadership, community engagement and relationship building that leads to a culture of excellence.   We are currently seeking to fill positions across all business segments. IBC's focus is to be customer centric and strive to provide excellent customer experience. 

Time Type:

Full time

This is an in-office position.

Department:

202 Credit Administration

Job Summary:

The Credit Analyst is primarily responsible for performing Pre-Funding audits, Loan Documentation Reviews and Loan reviews, as well as other routine audits to ensure the accuracy and completeness of loan documents and bank records. Ensure loans are compliance with all State and Federal regulations.

Job Description:

ESSENTIAL JOB FUNCTIONS

The statements on this job description are intended to describe the general nature of level of work being performed by incumbents.  They are not an exhaustive list of all responsibilities, duties, and skills required by all incumbents.

• Perform pre-funding and post funding audits, loan document reviews and loan reviews to ensure documents are complete and correct.

• Prepare and verify reports used to support lending officers in the decision-making process, such as financial spreads, real estate evaluations, and amortization schedules.

• Perform routine system audits on loans in the bank’s system of record to validate completeness and accuracy

• Maintain accurate Real Estate and Credit files and prepare information for third party (examiners, auditors) as needed

• Enter loan documentation exceptions into the collateral tracking system

• Assist lending officers in clearing exceptions

• Attend and participate in the Credit Quality, Executive Committee and Board meeting as required

• Ensure the loans are in compliance with bank, state, and federal regulations

• Other duties as assigned

SKILLS

• Excellent verbal and written communication skills

• Good organizational skills

• Critical and analytical skills

• Microsoft Word, Excel, and Outlook

EDUCATION

• 4-year Business degree. Preferably in Finance or Accounting.