Credit Analyst I or II

Credit Analyst I or II

02 Jul 2024
Iowa, Des moines, 50301 Des moines USA

Credit Analyst I or II

Credit Analyst I or II Location Des Moines, IA # of openings 1 Apply Now (https://phh.tbe.taleo.net/phh03/ats/careers/v2/applyRequisition?org=BANKERSTRUST&cws=37&rid=1672) Job Brief The Credit Analysts provide timely and quality financial spreading and analysis and assists with the preparation of approval packets for commercial loan requests and annual reviews.There are important qualities you look for in an employer – meaningful work, community engagement, competitive benefits, commitment to employee development, and so many more. At Bankers Trust, our team members experience an inclusive and community-focused culture and we’re proud of the premier workplace we’ve created. We regularly receive best in class results through our biennial employee engagement survey. We’re also proud to receive recognition from others, including our designation as a “Best Place for Working Parents®,” being a four-time recipient of the Greater Des Moines Partnership’s Inclusion Award, and being named one of the “Best Businesses Supporting Local Charity” by readers of the Business Record. Job Summary: The Credit Analyst I provides timely and quality financial spreading and analysis and assists with the preparation of approval packets for commercial loan requests and annual reviews. They will calculate and determine a borrower’s compliance with loan covenants and will support the credit risk function of the bank by performing other duties as assigned. The Credit Analyst II provides timely and quality financial spreading and analysis and calculates and determines borrower’s compliance with loan covenants. They will also assist with the preparation of approval packets for commercial loan requests and annual reviews and support the credit risk function of the bank by performing other duties as assigned. Primary Functions and/or Responsibilities: Credit Analyst I: · Spread business and personal financial statements and prepare financial analysis · Support commercial underwriting by inputting customer information into presentation format (i.e., Abrigo) · Prepare appropriate cash flow analysis to determine borrower’s ability to service debt obligations · Independently calculate borrower financial covenants for compliance with loan agreements · Prepare various reports that support management reporting and tracking · Become familiar with Loan Policy and Loan Guidelines in order to determine compliance Credit Analyst II (in addition to above): · Work with Commercial Portfolio Managers to understand clients request and/or current financial performance · Independently researches and analyzes company, industry and economic data · Successful completion of any assigned credit training · Other duties as assigned Education and/or Experience: Credit Analyst I: · BA or BS degree in Business, Accounting or Finance or Associates degree · 0-2 years experience required Credit Analyst II: · BA or BS degree in Business, Accounting or Finance or Associates degree · 2+ year(s) experience required Specific Skills, Knowledge & Abilities: · Some banking or other related financial experience desired · Ability to research and understand commercial and commercial real estate lending and banking regulations · Ability to deal effectively with customers and all levels of the bank organization Hiring Salary RangeThe hiring range below reflects targeted base salary. Actual compensation will be determined based on the candidate’s prior related experience & education and will be finalized at the time of offer. In addition to base salary, most positions are also eligible to participate in our annual bonus program. Select positions may also be eligible to earn incentives and/or commissions.Credit Analyst I - Hiring Salary Range: $23.00 - $27.00 per hour (Annualized at 40 hours per week: $47,840 - $56,160)Credit Analyst II - Hiring Salary Range: $54,000 - $62,500Benefits· Group Health, Dental, and Vision Insurance· Generous Paid Time Off (PTO)· Volunteer Time Off (VTO)· 401(k) plan with lucrative company match· Tuition assistance· Company Paid Life Insurance· Paid Parental Leave· Lifestyle Accounts that provide employees with reimbursement for the things that are most important to them such as childcare, student loan payments, gym memberships, pet insurance and much more.· Team Member Banking - a suite of products and services with special benefits for employeesHybrid Eligibility: Position may be eligible for a hybrid work schedule (requiring some days in the office each week).AFFIRMATIVE ACTION/EQUAL OPPORTUNITY EMPLOYER “PROTECTED VETERANS” AND “INDIVIDUAL WITH DISABILITY”

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  • Summary You will serve as a Management and Program Analyst within the FAA, Air Traffic Organization, Western Service Center, Resource Management Group, Management and Administrative Support Team, AJV-W640. Responsibilities Develops procedures, systems, and methods on a variety of management functions and activities in one or more of the following areas - organizational planning and development, staffing utilization, productivity, work improvement and work methods, work measurement and staffing standards development, delegation of authority, goals and objectives, and/or information management. Analyzes assigned Freedom of Information Act (FOIA) requests for completeness and determine which facilities/offices hold responsive records Reviews records, makes FOIA exemption determinations, calculates fees, prepares and finalizes responses to complex FOIA requests in a timely manner. 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Reviews and analyzes new and proposed regulations to determine impact on program operations and management. Responsibilities may involve providing advice and support to management personnel for best utilization and reprogramming of resources, developing quarterly/annual/interim reports as required. Established policies/procedures provide guidance for most assignments, but allow some discretion to select the most appropriate approach. Typically receives guidance on selecting approach from a manager, project/program manager, team leader, or more experienced professional. Refers problems and work issues to a manager, project/program manager, team leader, or more experienced professional when guidelines are not available or applicable. Performs other duties as assigned. Requirements Conditions of Employment We are not accepting applications from noncitizens. Qualifications To qualify for the FG-12, you must demonstrate in our application that you possess at least one year of specialized experience equivalent to FV-G, FG/GS-11 in the Federal Service. Specialized experience is experience that has equipped you with the particular knowledge, skills and abilities to perform successfully the duties of the position. Specialized experience is experience that has equipped you with the particular knowledge, skills, and abilities to perform successfully the duties of the position. Specialized experience will include experience with organizational or project teams to accomplish program objectives; experience providing interim guidance to assist in the transformation of program or tools; and experience knowing, using, and calling upon available resources to best meet stakeholder needs. Experience processing Freedom of Information Act (FOIA); providing liaison and evaluation of FOIA policies and programs to component organizations and stakeholders in accordance with federal and state laws. Applicants should include examples of specialized experience in their work history. Qualifications must be met by the closing date of this vacancy announcement. Please ensure you answer all questions and follow all instructions carefully. Errors or omissions may impact your rating or may result in you not being considered for the job. Applicants may be asked to verify information on your application for employment with the FAA. Education Additional Information We may use this vacancy to fill other similar vacant positions. Position may be subject to a background investigation. A one-year probationary period may be required. The person selected for this position may be required to file a financial disclosure statement within 30 days of entry on duty. 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  • Summary You will serve as a Management and Program Analyst within the FAA, Air Traffic Organization, Western Service Center, Resource Management Group, Management and Administrative Support Team, AJV-W640. Responsibilities Develops procedures, systems, and methods on a variety of management functions and activities in one or more of the following areas - organizational planning and development, staffing utilization, productivity, work improvement and work methods, work measurement and staffing standards development, delegation of authority, goals and objectives, and/or information management. Analyzes assigned Freedom of Information Act (FOIA) requests for completeness and determine which facilities/offices hold responsive records Reviews records, makes FOIA exemption determinations, calculates fees, prepares and finalizes responses to complex FOIA requests in a timely manner. Analyzes and applies FOIA provisions and makes disclosure recommendations consistent with applicable exemptions or review appropriateness of redactions made by others. Reviews and interprets laws, rules, and regulations. Coordinates with legal and other subject matter experts to fulfill requests. Provides information and advice to both internal and external customers. Maintains frequent contact with internal and external customers on routine matters such as gathering information, explaining FOIA law, discussing concerns, and explaining the status of assignments. Tracks and analyzes data to ensure compliance with existing policies and procedures, and develops reports supporting management initiatives. Provides supporting rationale on the establishment or clarification of objectives. Ensures that plans are consistent with program guidance. Analyzes plans for programs under the organization\'s cognizance and recommends changes, as necessary, to ensure that comprehensive plans are kept current and reflect policies, priorities, goals and objectives of the organization. Conducts analyses in the review and evaluation of program activities. These analyses are conducted to ensure proper program integration and conformance to policy, completeness, and adequacy of operations in meeting goals and objectives. Prepares recommendations based on such reviews, and discusses recommended courses of action with program managers to resolve major problem areas. These recommendations include but are not limited programmatic interfaces and impact of not meeting goals and objectives. Develops recommendations based on management studies and surveys, and discusses recommended courses of action with program managers to resolve problem areas. Reviews and analyzes new and proposed regulations to determine impact on program operations and management. Responsibilities may involve providing advice and support to management personnel for best utilization and reprogramming of resources, developing quarterly/annual/interim reports as required. Established policies/procedures provide guidance for most assignments, but allow some discretion to select the most appropriate approach. Typically receives guidance on selecting approach from a manager, project/program manager, team leader, or more experienced professional. Refers problems and work issues to a manager, project/program manager, team leader, or more experienced professional when guidelines are not available or applicable. Performs other duties as assigned. Requirements Conditions of Employment We are not accepting applications from noncitizens. Qualifications To qualify for the FG-12, you must demonstrate in our application that you possess at least one year of specialized experience equivalent to FV-G, FG/GS-11 in the Federal Service. Specialized experience is experience that has equipped you with the particular knowledge, skills and abilities to perform successfully the duties of the position. Specialized experience is experience that has equipped you with the particular knowledge, skills, and abilities to perform successfully the duties of the position. Specialized experience will include experience with organizational or project teams to accomplish program objectives; experience providing interim guidance to assist in the transformation of program or tools; and experience knowing, using, and calling upon available resources to best meet stakeholder needs. Experience processing Freedom of Information Act (FOIA); providing liaison and evaluation of FOIA policies and programs to component organizations and stakeholders in accordance with federal and state laws. Applicants should include examples of specialized experience in their work history. Qualifications must be met by the closing date of this vacancy announcement. Please ensure you answer all questions and follow all instructions carefully. Errors or omissions may impact your rating or may result in you not being considered for the job. Applicants may be asked to verify information on your application for employment with the FAA. Education Additional Information We may use this vacancy to fill other similar vacant positions. Position may be subject to a background investigation. A one-year probationary period may be required. The person selected for this position may be required to file a financial disclosure statement within 30 days of entry on duty. FAA policy limits certain outside employment and financial investments in aviation-related companies. www.faa.gov/jobs/workinghere/financial-disclosure-requirements The U.S. Department of Transportation strives to ensure that equity, transparency, accountability, collaboration, and communication permeate all that we do for the betterment of the Department, the traveling public, and our nation. As such, DOT values a highly diverse workforce of persons who promote a culture of belonging by respecting the personal dignity and worth of each individual and fostering a positive environment where all feel safe and welcome. If these commitments coincide with your personal ideals and professional aspirations, please consider joining the DOT family. 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