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First Western Bank and Trust has a full-time opening for a Credit Analyst at the Minot - Dakota Square Bank.

Credit Analyst Benefits Include:

• Paid Vacation, Sick Leave and Holidays
• Health Insurance
• Dental Insurance
• Vision Insurance
• 401k with matching contributions
• Volunteer Paid Time Off
• Banking Benefits
• And more!

With all the benefits listed above, this is a great opportunity for the right candidate!

Credit Analyst Overview:

Analyze financial statements and credit data to determine First Western Bank and Trusts risk in extending credit or lending money; and prepare reports with credit information for use in decision making.

• Analyze financial statements and credit data to determine the risk involved in extending credit
• Verify and input financial data within appropriate banking software
• Prepare financial spreads utilized in credit presentation
• Evaluate customer earnings, savings data, payment history, and purchase activity
• Generate debt to income ratios to assess customers' financial status
• Analyze income growth, asset management, and market share to determine expected profitability of loans
• Compare profit and liability history of commercial or agriculture entity being evaluated
• Review customer file documentation and write narrative analysis of risk factors
• Work with commercial and agriculture lenders to ensure parameters of the Banks loan policy are met
• Determine exposure limits and assign risk ratings for Automated Clearing House customers
• Monitor various loans and provide monthly status reports
• Compile financial spreads and query reports as requested for annual loan reviews, vendor analysis
• Complete summaries of loan requests to submit appropriate approval level authority, loan committee
• Maintain knowledge of risk management techniques
• Attend training and complete software webinars to enhance knowledge
• Ensure compliance with banking laws, regulations, and the Banks policies and procedures, including Bank Secrecy Act
• Maintain continuing education related to regulatory standards
• Ability to work independently and collaboratively within a team

Credit Analyst Education and/or Experience

• Bachelors degree in accounting, finance or business-related field or equivalent work experience
• Two years experience in banking, credit or analyst role preferred
• Knowledge of financial statements required

Credit Analyst Skills/Abilities

• Excellent oral and written communication skills
• Ability to define problems, facts and draw valid conclusions
• Strong mathematical, analytical, and problem-solving skills
• Demonstrate adaptability while effectively meeting assigned deadlines
• Knowledge of Microsoft Office Suite and related banking programs; SageWorks and Moodys Analytics

First Western Bank and Trust is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sexual orientation, gender identity, national origin, age, disability, genetic information, marital status, or veteran status.