Position Title: Credit Analyst I Reports To: Credit Department Manager Responsibilities: • Developing loan applications for credit requests of current and prospective customers. Credit applications include a detailed cash flow analysis, collateral analysis and all other analysis pertaining to the strengths and weaknesses of the applicant. • Spreading of financial information on current and prospective customers. • Assist Senior Lender, Credit Administrator, and Lending Officers with reports used to monitor the loan portfolio, track loan delinquencies, track concentrations within the loan portfolio, etc. • Attend loan committee and take minutes as needed. • Ensure that all credit files are kept current with financial statements, tax returns, current loan applications, proper documentation, etc. • Providing credit information from Credit Bureau or other agencies as requested. • Continue to seek improvement of credit skills through seminars, training sessions and/or credit classes. • Represent the Bank in community development activities. • Assumes additional responsibilities as required. Qualifications: Education/Experience • Bachelor’s Degree required preferably in Accounting or Finance, will consider students graduating in May 2025 Skills • Strong written and verbal communication skills • Computer skills: especially Microsoft Office • Strong attention to detail – with the ability to adapt to a fast paced work environment • Ability to prioritize work flow to meet crucial time deadlines Isabella Bank is an AA/EEO employer.