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Credit Administration

The Credit Analyst will report to the Credit Analyst Supervisor.

Job Overview

The Credit Analyst evaluates the strengths and weaknesses of a commercial loan relationship to determine the degree of risk involved in extending commercial credit. This position will collaborate with Commercial Lending throughout the entire loan process.

Essential Responsibilities

The Credit Analyst will:

Prepare the detailed Credit Memorandum within First Federals defined

commercial underwriting standards.

Spread financial data and prepare financial analysis for assigned

commercial credit requests.

Form preliminary questions to drive underwriting and loan

eligibility.

Identify and assess potential risks associated with the credit,

including financial, operational, and industry-specific risks.

Partner with Commercial Loan Officers (CLO) throughout the

underwriting process.

Perform credit risk analysis as requested by a CLO, including annual

reviews, monitoring loan covenants, and assisting with asset classification. The Credit Analyst will escalate concerns to CLO, supervisor, or Chief Credit Officer (CCO).

Complete other duties as assigned.

Minimum Qualifications

A bachelors degree in accounting, finance, or equivalent.

Preferred Qualifications

Two (2) years working experience in the analysis of financial

information (financial statements, tax returns, etc.).

Job Requirements

Reliable transportation to/from work.

Sitting or standing for extended periods of time and requires

ability to work and operate computer applications and equipment.

Able to perform essential responsibilities of the job with or

without reasonable accommodations.

First Federal Savings Bank of Twin Falls

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Credit Analyst