Commercial Credit Analyst II

Job Summary

American National Bank is looking for a Commercial Credit Analyst to partner with Commercial Bankers in servicing all aspects of a commercial loan portfolio, including credit analysis, risk management and cross sales.

Essential Job Duties & Responsibilities

• Gathers necessary financial information from clients and analyzes source documents, such as various types of financial statements, tax returns, credit bureau reports and supplemental information to determine potential risk and repayment of loan based on historical and pro-forma repayment capacity.
• Develops credit information, such as debt service ability and cash flow analysis, for use by banking officers and/or committees in making lending decisions on new, renewed and existing loans.
• Accurately assess the bank quality rating of the customer based on financial performance, industry and other variables.
• Assist in managing annual reviews and renewals, portfolio reviews, collateral exceptions, borrowing bases and delinquencies.
• Manage risk on an ongoing basis by monitoring customer credit worthiness, adherence to loan terms and general business conditions.

Experience Needed:

• 2-3 years of prior experience as a Commercial Credit Analyst or Underwriter, preferably supporting multiple lines of business
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  Working knowledge of commercial banking products and services

  
  
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  Proven ability to independently analyze commercial credit requests

  
  

Education, Licensure & Certification Needed:

• Bachelor's Degree in business, accounting, finance strongly preferred or equivalent experience required

Skills & Abilities Needed:

• Proficiency of spreadsheet applications as they pertain to financial analysis. Strong working knowledge of Microsoft Excel.
• Ability to analyze various types of financial statements and credit reports, both business and consumer related
• Ability to effectively communicate orally and in writing

About American National Bank

With history dating back to 1856, American National Bank is one of the largest privately owned banks in Nebraska with branch locations in the region with locations in Nebraska, Iowa and Minnesota. We believe in doing. By joining forces with local businesses, charitable organizations and our team members, we are proud to be part of the momentum that keeps the community around us building and growing. Together we can be the catalyst for making great things happen. Join our company to be a part of this inspirational movement and learn how we can grow your career.

Together, we can do more for your future...

At American National Bank, we provide our team members with comprehensive benefits to do more for you and your family.

We offer:

• Competitive base compensation with additional performance-based annual earning potential
• Career growth potential built into every role
• 401(k) Investment Plan with up to 4% match by ANB with immediate vesting and profit sharing*
• No cost Life Insurance with benefit 2x base salary (subject to cap), with ability to purchase additional coverage
• Paid Time Off, Paid Holidays and Paid Volunteer Time
• Medical Insurance with signification premium contribution by ANB, with Wellness Plan Support*
• Dental Insurance with significant premium contribution by ANB*
• Additional Insurance options to meet personal needs: Vision, Pet Care, Critical Illness, Accident, Income, and Identity Theft Protection*
• Tuition Reimbursement*
• Gym Membership Reimbursement*
• Discounts on Banking and Financial needs

*Eligibility Criteria Apply