This is an entry level position in the Credit Department. This individual will provide assistance to the Credit Officers.

Primary Duties:

• Spread and analyze business/agriculture and personal financial statements for existing and potential new clients. Assist Credit Officers to provide preliminary recommendation as to the feasibility of the credit request.
• Review and analyze borrowing base certificates (BBCs) of existing clients to determine line of credit availability.
• Complete financial covenant checks for existing clients to determine if the customer is in compliance. If not, bring this to the attention of the Credit Officer, Team Lead, or Lender for further review.
• Prepare Small Commercial Lending loan presentations, including spreading of financial statements in Financial Analyzer as well as credit parameter input, collateral review, and scorecard completion within Credit Quest.
• Assist with maintenance of financial covenant ticklers.
• Enter existing commercial and agriculture real estate properties in Financial Analyzer including property information, loan information, appraisal information, and the financial spreads.
• Prepare annual credit reviews per loan policy requirements for existing customers.
• Assist Credit Officers in preparing loan committee presentations for new and existing customers as time permits.
• Attend LITMUS or loan committee discussions when appropriate.
• Assist with training new hires within the credit department on various systems utilized by the credit team.
• Know by name and face as many customers and employees as possible, calling them by name as often as possible.
• Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
• Know, understand, and live the company values and bottom line.
• Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable State and Federal laws and regulations.
• All employees are responsible for information security including compliance with policies and standards which protect sensitive information.
• Prompt and reliable attendance.
• Perform other duties as assigned.

Job Skills Required:

• B.A. in accounting, finance, or business-related field.
• Strong Excel and spreadsheet skills.
• Above-average written and communication skills.
• Proficiency with computer technology.
• Ability to deal with multiple tasks and deadlines.
• Effective time management and organizational skills.