Job Information
FIRST AMERICAN BANK Credit Analyst in KENOSHA, Wisconsin
JOB REQUIREMENTS: Credit Analyst Org Structure : Job Posting Location Kenosha, WI - 7027 Green Bay Rd Category Consumer Lending Type Regular Full-Time Job Description First American Bank was founded in Chicago, and over the years has expanded throughout Wisconsin and Florida. As the largest privately held bank in Illinois, we now have over 60 locations and assets of \$5+ billion. We are a community bank at heart with international expertise, traditional values, and a forward-looking philosophy. Our employees have the experience and vision to meet the needs of savers, borrowers, and businesses in the 21st century. First American Bank can offer employees a level of visibility, career growth, and stability that is difficult to find in many larger corporations. This position is responsible for credit risk analysis on consumer loan products and designated small business loan transactions. This employee will also interact frequently with customers, other department associates, various division managers and senior management. DUTIES & RESPONSIBILITIES: Underwrite consumer and select small business loan applications. Perform credit risk analysis for an assigned pipeline of consumer loan applications. Initiate the loan opening process and submit complete applications for pre-approval. Determine loan eligibility based on initial application review and initiate timely preparation of all required loan disclosures within regulatory timelines. Analyze risk factors to competently underwrite assigned loan applications according to company and investor underwriting guidelines. Mitigate loan risk through prudent assessment of applicant credit quality, repayment ability, and collateral valuation. Analyze tax returns and related financial statements to determine applicant cash-flows and capacity for loan repayment. Prepare formal loan presentations for senior colleagues and respective loan committees. Exercise discretion and independent judgment within assigned credit authority. Review supporting loan documents with responsibility for ensuring accuracy and underwriting authentication. Occasionally negotiate loan related transactions directly with clients in a professional and courteous manner. Interact with internal and external business partners on a regular basis. Apply related concepts, practices, applicable policies and government regulations in a consistent manner throughout the lending process. Work efficiently under minimal supervision in a fast-paced, high-volume loan production environment. Conduct and complete additional assignments/projects as designated by management. QUALIFICATIONS: Associate\'s degree required. Bachelor\'s degree preferred. This position requires the individual to take loan applications and close loans. This position may require the employee to register and maintain registration... For full info follow application link. First American Bank is an Equal Opportunity Employer (Minorities/Females/Disabled/Veterans). ***** APPLICATION INSTRUCTIONS: Apply Online: ipc.us/t/869B1DF3BA68482F