Credit Analyst I or II at Bankers Trust Company in Des Moines, Iowa

Job Description:

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 Analysts provide timely and quality financial spreading and analysis and assists with the preparation of approval packets for commercial loan requests. The Credit Analyst I will support the credit risk function of the bank by performing other duties as assigned.

Primary Functions and/or Responsibilities:

• Spreads business and personal financial statements and prepares financial analysis
• Supports commercial underwriting by inputting customer information into presentation format (i.e. Sageworks)
• Prepares appropriate cash flow analysis to determine the borrower’s ability to service debt obligations
• Works with Commercial Portfolio Managers to understand the client's requests and/or current financial performance.
• Independently researches and analyzes company, industry and economic data
• Independently calculates borrower financial covenants for compliance with loan agreements
• Prepares various reports that support management reporting and tracking
• Maintains familiarity with Loan Policy and Loan Guidelines in order to determine compliance
• Successfully completes any assigned credit training
• Performs other duties as assigned

Education and/or Experience:

• Credit Analyst I:
  1. BA or BS degree in Business, Accounting or Finance or other business-related field preferred
  2. At least one year of experience or an internship in banking preferred, but less may be considered
• Credit Analyst II:
  1. BA or BS degree in Business, Accounting or Finance preferred
  2. At least two years of prior credit analysis experience required
  3. Some banking or other financial related experience desired

Specific Skills, Knowledge & Abilities:

• Ability to research and understand commercial and commercial real estate lending and banking regulations
• Ability to deal effectively with customers and employees at all levels of the bank organization

Hiring Salary Range

The 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: $23.50 - $27.50 per hour (Annualized at 40 hours per week: $48,880 - $57,200)

Credit Analyst II - Hiring Salary Range: $26.25 - $30.75 (Annualized at 40 hours per week: $54,600 - $63,960)

Benefits

• 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 employees

Hybrid 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”

Equal employment opportunity, including veterans and individuals with disabilities.

PI266190749

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