First Dakota National Bank Credit Analyst - Loft Advisors in Sioux Falls, South Dakota

Summary: Provide assistance to the Private Banking Division of the Bank in the area of credit analysis by performing the following duties. Hours include Monday-Friday 8-5.Essential Duties and Responsibilities include the following. Other duties may be assigned.Spread financial statements including, but not limited to, balance sheets, income statements and cash flow statements for new and existing customer applications, renewals, and annual reviewsOperate efficiently within the Sageworks software application as needed to complete our spreads and credit analysisProvide written and oral analysis to Private Bankers of borrower's financial condition and repayment capacity including review and presentation of ratios and trend analysisAssist Private Bankers in creating and documenting the credit recommendation to be presented to appropriate approval committeesAnalysis of collateral, including evaluation/appraisals and other credit enhancements such as government or personal guaranteesAnalyze a credit situation and assist the Private Bankers in coming up with atypical solutions to meet both customer and organizational needsAssist the Private Bankers in verifying that collateral is perfected and that proper insurance is or will be in placeAssist the Private Bankers to track and monitor the receipt of all required financial documents that are needed by our borrowers on a monthly, quarterly, and annual basis; Also includes any loan covenants on new and existing loans/customersUnderstand and interpret current loan policies and procedures to assist in compliance of all applicable laws and regulationsAssist the credit department with performing inspections on properties and construction projects to verify work is complete and property is in good conditionComply with and provide suggestive improvements to our lending best practices and proceduresDevelop and maintain excellent written and oral communication skills in order to effectively document and communicate work performedStudy economic trends in firm's or individual's industry or branch of industry to help predict probable success of loan customersCompetency:To perform the job successfully, an individual should demonstrate the following competencies:Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutionsTechnical Skills - Pursues, training and development opportunities; Strives to continuously build knowledge and skills; Shares expertise with othersDesign - Demonstrates attention to detailCustomer Service - Responds promptly to customer needs; Responds to requests for service and assistance; Meets commitments and deadlinesInterpersonal- Maintains confidentiality; Remains open to others' ideas and tries new thingsWritten Communication - Writes clearly and informatively; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written informationOral Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Participates in meetingsTeam Work - Exhibits objectivity and openness to others' views; Gives and welcomes feedback; Contributes to building a positive team spiritQualityManagement - Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughnessOrganizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Benefits organization through outside activitiesAdaptability - Adapts to changes in the work environment; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected eventsDependability- Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Completes tasks on time or notifies appropriate person with an alternate planInitiative - Looks for and takes