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Job Type : Full Time

Job Location: 1124 North Main Street, Franklin, Indiana, 46131

Employer: Mutual Savings Bank

Location: Loan Center

Reports To: Credit Manager STATUS: Non-exempt

PRINCIPAL DUTIES/ RESPONSIBILITIES

Completion of the following tasks at a basic skill level:

• Complete accurate, unbiased credit analyses within required timelines and according to standards including cash flow analysis, narrative summary, and preparation of credit memorandum and financial projections.
• Assist in monitoring the credit quality of the borrowers by assisting in obtaining and keeping financial data current and analyzing for trends, concerns, and covenant compliance.
• Complete credit monitoring functions including spreading and review of financial statements, borrowing base and covenant testing, marketable securities, and annual reviews.
• Assign loan codes, NAICS codes, and risk grade data accurately.
• Use of financial spreading software, loan system, cash flow analysis, and other systems and tools.
• Attend and participate as needed in loan committees.
• Complies with all regulatory compliance issues relative to this position, which may include butnot be limited to, BSA, CRA, OFAC, Reg E, Reg Z, Reg CC, and Reg DD.

REQUIRED SKILLS/ABILITIES

• Demonstrates analytical skills.
• Ability to complete spreads, analyze trends, and assess credit risks.
• Capable of multi-tasking, highly organized, with excellent time management skills.
• Detail oriented
• Excellent verbal and written communication skills.
• Ability to create and maintain professional relationships within all levels of the bank: peers, lenders, customers, supervisors.

EDUCATION/ EXPERIENCE

• Bank credit experience preferred, or similar experience.
• Knowledge of personal and business financial statements and tax returns.
• Experience with Sageworks, or similar financial statement analysis software.
• Knowledge of Microsoft Office applications.
• Ability to organize and prioritize to meet deadlines.
• Strong customer service skills.