Hours of Work: Full Time, Monday through Friday 8:00 a.m. to 5:00 p.m.
Location: 6003 Old Cheney Road, Lincoln, NE 68516
PRIMARY JOB PURPOSE: The position is tasked with assisting the lending staff to help the Bank build and maintain a high-quality loan portfolio. The CAI will contribute to the department’s overall responsibility for early identification of deteriorating loan quality by completing the following:
- Valuing collateral accurately/conservatively
- Spreading financials on borrowers and businesses; report findings
- Reviewing portfolios with larger concentrations and proposing rating changes as necessary
ESSENTIAL RESPONSIBILITIES AND DUTIES:
- Assist in the analysis and presentation of loan requests
- Spread and analyze borrower and guarantor financial information
- Value commercial and residential real estate
- Review internal and external appraisal reports
- Prepare and send appraisal engagement letters
- Complete Uniform Standard of Professional Appraisal Practice (USPAP) forms
- Complete monthly, quarterly, and annual reports to be presented to the Director Loan Committee, Loan Review Committee, Board of Directors, or higher management
- Involvement in various systems used in loan reporting
- Report regulatory and loan policy exceptions
- Assist in performing annual updates on loan policies and procedures
- Monitor and assist in the collection of required financial information and other pertinent data from borrowers and guarantors and report findings during Interim Performance Monitoring meetings for early detection of deteriorating credits
- Monitor, prepare, and present annual borrower reviews
- Conduct property inspections that include residential 1-4 family investment properties, commercial properties, and commercial construction projects
- Spread and monitor draws on commercial construction buildings
- Assist in collecting employee community involvement responses for CRA purposes
- Participate in various side projects as they are assigned.
- Participate in various side projects as they are assigned.
- Compile Quarterly Collateral Determination (QCD) report and submit to the FHLB through the CLO Lincoln within 30 days of quarter end
JOB SPECIFICATIONS
Work Direction: This position reports to the Senior Credit Officer.
Accountability: This position has access to and knowledge of the financial situation and personally identifiable information of customers and highly confidential/proprietary financial data of customers. The utmost discretion and confidentiality must be exercised with all data.
Work Relationship: Regular contact with internal and external customers. Must be able to communicate in a clear, concise, and pleasant manner.
Supervision: This position has no supervisory responsibilities.
Affirmative Action: Equal Opportunity Employer Veterans/Disabled
JOB QUALIFICATIONS
Education & Experience:
- Basic accounting/math skills required
- Bachelor’s Degree in progress with focus on Business, Finance/Accounting, Math, or other applicable area of study
- Knowledge of banking industry practices relative to bank loan operations with respect to loan products & services (recommended but not required)
- Knowledge of Jack Henry Loan Vantage software for loan origination and Xperience core system (recommended but not required)
- 1-2 years of experience in credit analysis preferred but not required
- Ability to handle confidential information
- Ability to be taught on the job, in group or 1 on 1 settings, as well as learning through classes and online webinars
- Ability to work well with people, both internally and with external customers
- Ability to handle a high volume of tasks, prioritize, and function effectively to meet deadlines in a fast-paced environment
- Strong communication and organizational skills
- Strong focus on teamwork
