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German American Bank

Banking, investments, and wealth management services

Senior Credit Analyst

Retail & Commercial BankingPosted on Nov 9
Full-timeNo salary listedIn-person

About the Job

Requirements

  • A bachelor's degree in Finance, Accounting, Economics, or a related field is required.
  • A minimum of five to seven years of experience in commercial credit analysis, commercial lending, commercial banking, or a related financial services role is required.
  • Demonstrated experience analyzing complex commercial credit relationships across a variety of industries is required.
  • A strong understanding of financial statement analysis, cash flow modeling, credit risk assessment, and commercial loan structures is required.
  • Advanced financial statement analysis is required.
  • Commercial credit underwriting is required.
  • Cash flow analysis and debt service evaluation are required.
  • Risk assessment and problem solving are required.
  • Commercial loan structuring is required.
  • Critical thinking and problem-solving are required.
  • Attention to detail and accuracy are required.
  • Strong written and verbal communication skills are required.
  • The ability to communicate complex financial concepts to diverse audiences is required.
  • Professional judgment and decision-making are required.
  • Collaboration and partnership-building are required.
  • Effective presentation and consultation skills are required.
  • Initiative and accountability are required.
  • Intellectual curiosity and continuous learning are required.
  • Organizational and time management abilities are required.
  • Adaptability and a process improvement mindset are required.
  • Proficiency in Microsoft Office Suite, including advanced Microsoft Excel skills, is required.
  • Experience using credit analysis software, financial spreading tools, and loan origination systems is required.
  • The ability to leverage technology and reporting tools to enhance analytical effectiveness and operational efficiency is required.

Responsibilities

  • Analyze commercial loan requests by evaluating borrower financial statements, tax returns, cash flow, collateral, and repayment capacity.
  • Assess the financial condition, operating performance, and risk profile of commercial borrowers and guarantors.
  • Identify trends, strengths, weaknesses, and emerging risks affecting borrowers' financial performance.
  • Complete accurate and comprehensive credit presentations, loan approval packages, annual reviews, and renewals.
  • Ensure compliance with bank policies, procedures, regulatory requirements, and credit administration standards.
  • Meet established service-level expectations and underwriting deadlines.
  • Advise commercial lenders and credit leadership by providing timely and accurate financial analysis and risk-based recommendations.
  • Communicate financial results, credit risks, and mitigating factors to support sound lending decisions.
  • Assist lenders in understanding industry-specific financial considerations, operating trends, and market conditions affecting borrower performance.
  • Maintain working relationships with lending teams and other key organizational stakeholders.
  • Monitor existing credit relationships for changes in financial performance, industry conditions, collateral values, and other risk factors.
  • Ensure risk ratings accurately reflect the current condition of borrowing relationships.
  • Support ongoing credit quality initiatives and portfolio monitoring activities.
  • Handle complex credit relationships and provide analytical support to lending teams through financial analysis, risk assessment, and credit underwriting.
  • Serve as a mentor and resource to Credit Analysts, promoting consistency, efficiency, and quality in the credit underwriting process.

Desired Qualifications

  • Bilingual or multilingual ability is a bonus.

About the Company

German American Bank

Banking, investments, and wealth management services

German American Bank provides banking, investments, and wealth management services to individuals, families, and businesses in Southern Indiana, Kentucky, and Ohio. Local branches and bankers offer checking and savings accounts, loans, investments, and wealth guidance to help customers manage money and plan for the future. The bank differentiates itself as a long-standing regional community bank with deep local roots, prioritizing integrity, responsive service, and close client relationships, as well as community involvement. Its goal is to help people and businesses prosper and improve quality of life by delivering practical financial solutions and reliable service.

Company size
201-500
Company stage
IPO
Headquarters
Jasper, TX
Founded
1910

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