County National Bank (CNB) is an independent, locally-owned, community bank that is successful and growing whose mission is to "sustain its deep commitment to the community and its traditions of excellence in all aspects of banking, and provide outstanding customer service and solid financial performance."

We invite you to share in our mission and vision as a community banker, making a difference in your community while experiencing excellent benefits and career opportunities.

CNB is looking for a qualified, motivated, and customer- and team-focused individual to join our team as an ON-SITE Credit Analyst in Jackson, Michigan.

JOB SUMMARY

Responsible for analyzing and monitoring the credit worthiness of the bank's clients. Analyzes financial statements, tax returns and bank references to evaluate the financial condition of individuals and businesses applying for credit with the bank. Recommends credit lines within the established bank guidelines.

DUTIES

• Prepares loan presentations for loan committee, which includes preparation of loan application, financial statements, cash flow, etc.
• Enters financial statement information into Sageworks Analyst and runs various reports.
• Grades all commercial loans to assess risk to bank.
• Updates tracking of loan covenants and financial documentation as received.
• Assists in monthly Floor Plan audits and updated documents as needed.
• Completes daily requests for credit verifications from various outside sources.
• Completes and updates various monthly and quarterly reports to be presented to Loan Committee or Board.
• Assists Mortgage and Consumer lending in assessing and grading commercial and self-employed borrowers.
• Completes special projects as assigned by Senior Management.
• Assists auditors and bank examiners as needed.
• Maintains and protects confidentiality of client information.
• Maintains regular, on-time attendance.
• Remains current in assigned training and continuing education for designation retention (online, video, in-house emails, telephone seminars, etc.)
• Complies with all regulatory requirements including Bank Secrecy Act and all others specific to their position.
• Performs other various duties as assigned.

SKILLS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Bachelor's degree in Finance/Accounting is preferred; otherwise, must have a combination of applicable education and experience.
• Previous bank experience is preferred.
• Passion for providing a stellar client service experience to all clients (external and internal) and ability to instill this passion in others.
• Excellent interpersonal skills (tactfulness, cooperation, courteousness and customer friendliness) are necessary to represent the bank in a positive manner.
• Positive and cooperative approach when working with others.
• Excellent written communication skills with demonstrated ability to write communications clearly, concisely and effectively, with attention to detail for visually appealing output and accurately proofreading publications.
• Excellent verbal communication skills with the demonstrated ability to effectively present information to customers and management.
• Ability to maintain confidentiality and handle sensitive information.
• Ability to efficiently and accurately keyboard information, both computer and calculator.
• Strong computer skills with a proficiency in MS Word and Excel.
• Ability to multi-task while paying attention to details

WORKING CONDITIONS

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the work environment will include:

• Works in a normal office environment.

PHYSICAL REQUIREMENTS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to:

• Communicate effectively, both verbally and in writing.
• Keyboard information (computer and calculator).