CREDIT REVIEW OFFICER

Position General Responsibilities:

Under the direction of the Credit Review Director, perform credit review of agricultural, commercial, consumer and real estate loans to assess credit quality, the reasonableness of the risk ratings assigned and the level of adherence to sound lending practices and to the Bank’s loan policy and underwriting procedures. Position requires approximately 40-50% travel, including overnight travel. Knowledge of financial statement and cash flow analysis is necessary for job success. Well developed interpersonal communication skills and ability to maintain confidentiality is critical.

Education, Experience and Certification Requirements

Note:  Only minimum responsibilities are listed.  Other responsibilities may be required as requested by management.

Basic Qualifications:

1. Strong commitment to providing exceptional customer service.
2. Undergraduate degree in accounting, finance or related field, or five years credit review or commercial/agricultural lending experience. 
3. Working knowledge of Word, Excel, Access or related software.
4. Demonstrated ability to provide information in concise verbal and written formats. 

Specific Skill Requirements:

1. Knowledge of financial statement and cash flow analysis and generally accepted accounting principles.
2. Familiarity with legal contracts and the Uniform Commercial Code as related to lending and collateral perfection.
3. Attention to Detail – noticing errors and gaps; documenting and following up on important details.
4. Applied Learning Ability – understanding new information and complex ideas quickly and without confusion.
5. Team Playing – willingly collaborating and cooperating with others; developing effective working relationships.
6. Professionalism – maintaining a professional attitude, image and work ethic.
7. Written and verbal communication skills – ability to concisely and clearly present critical details.

Dimension of Job:

Perform credit review of agricultural, commercial, consumer and real estate loans to assess credit quality, the reasonableness of risk ratings assigned and the level of adherence to sound lending practices and to the Bank’s loan policy and underwriting procedures.

For full description, which includes physical mental demands please see attachment.