Bravera Bank is hiring for a Credit Analyst at any of our locations.

This position is responsible for analyzing borrowers’ financial statements to determine the degree of risk involved in extending credit. The candidate will compile credit presentations for review by lenders and will assist in research of required support material for loan portfolio.

PRIMARY DUTIES AND RESPONSIBILITIES:

• Analysis of financial information of new and existing borrowers using sound judgment on cash flow and credit worthiness.

• Assist lenders in constructing financial statement spreads and analyzing financial statements for credit quality including financial ratios, cash flow analysis, collateral analysis, repayment analysis on new and existing loans and applications, etc.

• Assist lenders in conducting research and completing loan forms and other documentation, as needed.

• Will follow established Bravera Loan Policies and Procedures and provide feedback as to changes needed.

• Compile financial information in a standardized format for credit presentation by lenders.

• Provide objective risk rating for loans based on financial strength of the borrower.

• Assist lenders in analyzing loan covenant to debt compliance, as needed.

• Assist lenders with general research and administrative recordkeeping, loan documentation, filing, etc.

QUALIFICATIONS:

• Bachelor’s degree in accounting, finance, economics, or business related field.
• Two or more years of Credit Analysis experience.

PREFERRED SKILLS/EXPERIENCE:

• Strong analytical skills.
• In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis.
• Effective technical report writing skills.
• Effective verbal and written communication skills.
• Proficient computer navigation skills using multiple software packages.
• Detail-oriented with an emphasis on accurate output.
• Initiative to produce high quality work.
• Effective time management skills.

Bravera is an employee- and director-owned company that is committed to helping our employees forge new paths in their careers. We encourage innovation and collaboration to drive the growth of our organization and our people. To support this, we provide a competitive and rewarding compensation package which includes a competitive salary, incentive compensation opportunities, retirement plan with company match, health insurance, paid holidays, paid time off (PTO), paid community volunteer time and stock opportunities. As a learning organization, we are committed to investing in the growth and development of our team members, offering training opportunities and tuition reimbursement.
To apply, click on the “Apply Now” button at the top of this page to complete an online application or visit our website at https://www.bravera.bank/about/careers to view open positions.
Equal Opportunity Employer.

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Experience
Required

• 2 year(s): Credit Analysis experience

Education
Required

• Bachelors or better in Business Administration or related field

Skills
Preferred

• writing skills
• Microsoft Office

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

Job Type: Full-time

Pay: $16.00 - $28.00 per hour

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Parental leave
• Professional development assistance
• Tuition reimbursement
• Vision insurance

Schedule:

• 8 hour shift
• Monday to Friday
• No nights
• No weekends

Work Location: One location

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