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Credit Analyst

Job Details

Mason City branch - Mason City, IA
Full Time



Assists and participates in the entry of data and analysis of commercial and agricultural credit information for loan officers and customers in conjunction with other Credit Administration staff.  This position will also assist with the management and review of commercial and agricultural loan administration processes, incorporating documentation, and post-closing review.



  • Analyzes financial statements to assess performance ratios, strengths and weaknesses as pertaining to a borrower’s historical operating performance. 
  • Discusses alternative structures and overall assessment with other Credit Administration staff and Loan Officer.  
  • Prepares necessary spreadsheet detail of all applicable financial information and provides written analysis of facts and/or opinions of loan requests for professional presentation to approval committees.    
  • Analysis to encompass commercial and ag credits of any size under the direction/guidance of VP of Credit Administration and/or Commercial Portfolio Manager.  Will also include analysis of complex credit requests from the Home Loan Center.    
  • Assists Commercial Portfolio Managers with analysis of credit requests and compilation of credit packets on larger, more complex credits. 
  • Accepts loan officer requests for appraisal orders for commercial/Ag properties and/or residential real estate loans for assigned bank locations.  After selecting a board approved appraiser, prepares and delivers written request to the appraiser, monitors timeliness of receipt of appraisals ensuring prompt customer service for anticipated closing dates.  Records status of all appraisals in the tracking worksheet on the Intranet.
  • Reviews appraisals for adherence to bank policies and USPAP guidelines.  Provides appraisal and written appraisal review report to the loan officer in a timely manner.  Reports any discrepancies or other appraisal issues to the AVP/Compliance Officer.
  • Accepts requests for evaluations of residential, commercial, and Ag RE.  Prepares evaluations in accordance with bank policy for use in reviews of pending credit requests.
  • Participates in customer meetings as requested (may require travel at times.)
  • Participates in special projects as assigned.


  • Reviews credit files for cross sale opportunities for completing referral opportunities to appropriate department/personnel.
  • Evaluates how bank services can mitigate risk.
  • Maintains historical studies of customers by compiling and analyzing financial developments and comparing industry statistics with the company’s exposure to the industry.
  • Works with the Lenders and Commercial Portfolio Managers in reviewing new loan requests and associated financial data to determine whether the loan is within acceptable bank risk standards and in keeping with Loan Policy.


  • May be assigned specific workout and collection duties.
  • Compliance duties as assigned by VP Credit Administration
  • Maintains customer confidence and protects bank operations by keeping information confidential.
  • Cross-sells bank products by answering inquiries; informing customers of new services and product promotions; ascertaining customers’ needs; directing customers to a branch representative.
  • Contributes to team effort by accomplishing related results as needed.
  • Maintains professional and technical knowledge by attending educational workshops, reviewing professional publications, establishing personal networks, and participating in professional societies.
  • Participates in civic and community activities to generate visibility and contact for the bank.
  • Attends mandatory compliance and security sessions.  Monitors daily work for adherence to compliance and security regulations, policies/procedures, and promptly corrects any deficiencies.


Work is performed primarily indoors in an office setting.


  • Position accountabilities are typically performed while sitting for most of the day.  The physical and mental demands of this position are representative of those that must be met by an employee to successfully perform the essential position accountabilities.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential position and accountabilities.  First Citizens Bank reserves the right to review each requested accommodation and determine if it poses an undue hardship.


  • Bachelor’s degree in business, finance, accounting or equivalent educational and/or work experience required.
  • Credit Analysis experience preferred.
  • Skill in performing mathematical principles.
  • Knowledge of the layout and functions of the computer keyboard and ten key adding machine; skill of using the touch system to perform date input.
  • Advanced computer skills in operating Windows based programs with word processing and spread sheet software experience.
  • Above average oral and written communication skills.
  • Knowledge of and ability to cross-sell FCB products and services to customers-such as the ability to identify customers’ needs, communicate services, explain advantages, and close sales activity.
  • Skill in working with the public, presenting a professional image of the bank, and servicing prospective and current customer inquiries, requests, and complaints.