Credit Analyst

Credit Analyst

The Credit Analyst is responsible for supporting the Credit Administration team and Commercial Bankers by performing a variety of administrative, analytical and reporting tasks related to the management of the commercial credit portfolio. This position will contribute to client relationships by providing consistent, high-quality service.

Essential functions include:

• Assist and support the Commercial Banking team from the inception of a loan request including, but not limited to, gathering financial information, preparing financial statement spreads, cash flow and other pertinent analysis and ordering appraisals/evaluation reports.
• Assist Commercial Bankers with timely and accurate completion of commercial credit presentations, including analysis of appropriate data per credit policy, bank procedures and regulatory requirements.
• Manage the portfolio tracking process, including gathering and entering data in the appropriate tracking reports, as well as reviewing and distributing monthly reports.
• Manage a variety of routine administrative and reporting functions as assigned, including quarterly legal lending limit reports, and policy exception tracking and exposure monitoring reports (select markets).
• Assist with internal servicing of the portfolio by completing risk rating change documentation and performing floor plan checks/audits.
• Ability to perform accurate credit analysis to identify relevant issues and key credit risks.
• Independently manage workflow of credit underwriting and portfolio management to meet required deadlines and produce quality results.
• Prepare annual term loan reviews as requested by the Commercial Banker staff.
• Assist with completion of quarterly problem loan reports.
• Provide credit administration support including but not limited to the following duties (select markets):
• Underwrite credit requests from Treasury Management including ACH/RDC and Business Credit Card approvals.
• Prepare monthly Swap monitoring report
• Prepare annual Swap counterparty analysis and underwriting for new exposure or changes to current exposures for Swap counterparties as needed
• Provide financials and required loan documentation on an ongoing post-close basis, quarterly, to non-affiliate Banks which have purchased loan participations.
• Complete credit reference inquiries for commercial borrowers
• Collaborate with Commercial Credit Operations, Administration and Lender staff to provide timely response to internal and external customer inquiries and servicing needs.
• Build relationships with other bank personnel to facilitate effective working relationships between credit administration and production.
• Assist the department with special projects and reporting as assigned.
• Participation in community activities is encouraged. This involvement can include professional, civic and community groups.
• Comply with all company or regulatory policies, procedures and requirements applicable to this position.
• Additional duties and responsibilities may be required to support the company's mission, vision and values.

Qualifications include:

• High school diploma or equivalent required. Bachelor's degree in accounting, finance, business administration or related field required.
• Minimum of 1 year of experience in lending, banking, financial industry or client service working knowledge is preferred.
• Capability to utilize various banking software and Microsoft 365 products, with a high level of accuracy and attention to detail.
• Strong verbal, written and interpersonal communication skills.
• Strong time management skills with capability to meet deadlines.
• Capability to manage sensitive information and uphold confidentiality.
• Capability to work and collaborate with a variety of individuals and groups in a constructive and professional manner.
• Strong analytical and problem-solving capabilities.
• Strong organizational skills with the ability to organize and manage a variety of projects and tasks in a fast-paced environment.
• Ability to interpret, analyze, and communicate financial information effectively to a wide range of clients and audiences.

Working conditions include:

• Duties are performed in a professional office environment.
• Occasional travel may be required.

At QCR Holdings, Inc. we are committed to fostering and preserving a culture of inclusion and strongly believe that it's our differences - of all kinds - that make our company and our communities better and stronger. QCR Holdings, Inc. is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, disability, age, sexual orientation, gender identity, national origin, veteran status, or other protected class status. It is the policy of QCR Holdings, Inc. to comply with the Americans with Disabilities Act by providing reasonable accommodations to enable qualified individuals with disabilities to access the job application and interview process, to perform the essential functions of the job, and to receive equal access to other benefits and privileges of employment.