Job Description
WHAT YOU'LL DO
The Credit Analyst provides accurate, timely, and succinct credit analysis to support the company’s portfolio management and new business development efforts.
Additional Duties:
Financial statement spreading and analysis, including calculation of Debt Service Coverage or Fixed Charge Coverage Ratios per Busey guidelines. Use financial data such as cash flow, liquidity, profitability, and leverage to determine and minimize the overall risk of extending credit to businesses and individuals. Perform file reviews of assigned requests to ensure complete information, communicating with loan team to discuss missing information, applicable questions and any loan structure suggestions or concerns. Work with Commercial Relationship Managers or other Lending staff to prepare clear and concise Commercial Credit Approval Request (CCAR) memos that include all pertinent information associated with the overall r...