Central Credit Analyst

**Job Summary**Analyze routine financial data of clients, including financial statements and cash flows. Reports financial position and credit worthiness of new and existing customers. Prepares in-depth written presentations, based upon their findings to assist bankers and Credit Admin when making credit decisions on lending and credit-worthiness. Monitors ongoing financial information and brings irregularities to the attention of the lender. **Primary Accountabilities** - Perform full range of duties pertaining to the credit analysis of new and existing borrowers. Analysis will be performed in accordance with established procedures and should include the following steps: - Collect and enter customer financial data into bank’s credit platform system. - Analyze data and prepare narrative on balance sheet, income statement, cash flow, financial ratios, and other relative data. - Develop a conclusion or recommendation based on the analysis performed. - Provide completed analysis to lender for review. May assist with financial analysis presentations to the loan committee as needed or requested by the lender. - Review collateral and apply discounts appropriately. - Assist in overall portfolio management to include past due loan and past due annual review management. - Assist the Credit Risk Management department with review of loan files at the market locations. - Perform annual credit reviews of term credits, requesting and analyzing financial statements from customers, monitoring collateral, etc. **Secondary Accountabilities** - Keep abreast of new developments and trends in various industries related to the loan portfolio. - Participate in the establishment of commercial and retail lending goals and profitability objectives and in the implementation of policies and procedures to assure the achievement of those goals. - Maintain education and professional expertise through attendance at job related seminars, conferences and workshops and involvement in professional civic and community groups in leadership positions. - Assists the Credit Admin department with special non-recurring and ongoing projects as needed. - Perform other duties as assigned. **Qualifications** - Bachelor’s degree in Accounting required and/or other related work experience of 3 – 5 years in business, finance, accounting or related field. - Knowledge of financial statements and ability to analyze credit worthiness. - Basic knowledge of banking laws, rules, regulations and requirements. - Excellent communication skills, both verbal and written. - Proficient in using Outlook, Word and Excel. - Must be able to meet objectives, goals, and imposed deadlines with minimal guidance. - Ability to travel We offer the opportunity for career growth and development in a professional and pleasant working environment. We offer a competitive salary and exceptional benefits package including: - Health Insurance-**Dacotah Bank pays 100% of the premium, family and individual coverage** - Dental Insurance-**Dacotah Bank pays 100% of the premium, family and individual coverage** - Health Savings Account - Life Insurance for the employee and family - Paid Vacation and Sick Time - Retirement Plan Options - Additional Perks and Benefits