*Position is not eligible for remote work.
At Independence Bank, we believe great banking starts with even better people. Each employee deserves a place where they can grow, have fun and feel valued. We’ve grown to become one of Kentucky’s largest banks, but we’ve never lost our community bank spirit along the way.
Â
Here, you’ll find a culture that promotes authenticity and having fun each day you come to work. We dress up for Halloween, celebrate holidays, surprise our employees with gifts or trips and find plenty of ways to celebrate together. We call our commitment to our communities “Local Love,” and we live it by investing our time, energy and more than $1 million each year back into the people and places we call home.
Â
There’s a reason we’ve been named a Best Place to Work in Kentucky more than 18 times. We’re proud of how far we’ve come, and we’re even more excited about where we’re going.
Â
If you’re looking for a place where you can do meaningful work, be part of a skilled team and actually enjoy the people you work with, we want to hear from you!
Job Summary |
The Credit Analyst will conduct credit investigations and analyze credit information pertaining to loans. This position evaluates the credit-worthiness of borrowers and determines the likelihood that a borrower will be able to meet financial obligations and pay back a loan by reviewing the borrower's financial history and projecting future income. |
|
|
Essential Functions, Duties and Responsibilities include, but are not limited to: |
- Investigates and reviews all available sources of credit and financial information for individuals and companies including, but not limited to, company audits, tax returns, and management prepared statements; individual tax returns and financial statements; and farm analysis statements
| - Interprets and enters financial information into software system
| - Researches and examines credit risks, evaluates customer credit reports
| - Analyzes financial information to predict patterns and trends, often projecting future income
| - Determines customer’s cash flow and risk profile according to Bank credit policy
| - Prepares spreads, creates cash flow spreadsheets, presents facts, and offers opinions concerning credit-worthiness
| - Assists lenders in gathering and interpreting financial information from customers, accountants, and bookkeepers
| - Scans work papers, maintains customer information files, and works log
| - Maintains knowledge of available financial and loan products, processing procedures, and underwriting guidelines
|
|
|
Education, Experience and Qualifications |
Education | Required/Preferred | Education Level | Description | Required | High School or GED |
| Preferred | Bachelors Degree | Degree in finance, accounting, or related field preferred |
|
|
Years of Experience | Minimum | Comments | 2 | A minimum of two (2) years of experience in finance, accounting, or related field preferred |
|
|
License / Certification | Required/Preferred | License / Certification | Description |
|
|
Additional Qualifications | - Computer experience required; experience with Microsoft Excel required
|
|
|
Core Competencies |
- Analytical thinking skills
| | - Knowledge of finance and accounting concepts and practices
| - Oral and written communication skills
| - Time management skills and ability to meet deadlines
| | | |
|
|
Sedentary work. Sedentary work involves lifting no more than 10 pounds at a time and occasionally lifting or carrying articles like docket files, ledgers, and small tools. Although a sedentary job is defined as one which involves sitting, a certain amount of walking and standing is often necessary in carrying out job duties. Jobs are sedentary if walking and standing are required occasionally and other sedentary criteria are met.
Back to search
