Middle Market Banking - Credit Analyst I

It starts with our culture ...

Common sense has never been common.

If it were, the world would be a different place. Things would run smoothly and on time. People would do what they say and say what they do. Everything would be fair, without all the small talk. And banks would only sell you what you need. When a banker looked at a client, they wouldn't just see a number, they'd see a dad or a mom or a graduate or a business owner. Our Bankers understand the complexities of people's lives and offer simple solutions.

That's the basics of Relationships. Fairness. Simplicity. When you choose our Company, you have an opportunity to make an impact beyond the walls of our buildings.

We have a long-standing commitment to Equity, Diversity and Inclusion. Through our banking relationships, investing, grants, and volunteerism, NBH Bank promotes the growth, revitalization and sustainability of the communities we serve. We believe that these are important elements in building and sustaining a successful organization and a positive, results-driven culture. We strive for all of our associates to feel welcome and empowered at work.

The responsibility of this position is managing specialized work efficiently, with confidence and competence. The position requires above average attention to details, concern for the exact correctness of work, and strong commitment to tasks completed on time. The person in this position will take work seriously, has a strong sense of duty, and is disciplined. A somewhat faster-than-average pace will be the norm for this position. Detailed, specialized work is the major focus. The person in this position will require clearly defined work, responsibilities, and reporting relationships, ongoing and thorough training opportunities to develop expertise and increase confidence, and frequently expressed appreciation of the person's competence, conscientiousness, and loyalty. The position will provide security in a stable work environment, allowing the person to plan for, focus on and complete tasks on hand. When changes in the nature of the work occur, the person in this position will need direction, training and support. The position will generally be task oriented, requiring someone with a conservative, careful, and cautious approach to work.

As a Middle Market Banking Credit Analyst l, you will underwrite loan presentations ensuring the overall success and growth of an assigned portfolio, including originations, annual reviews, amendments, risk rating assessments, financial spreads, financial modeling, among other duties. You will be responsible for a variety of tasks including preparing financial models for use in underwriting, supporting the management of profitable client relationships and work with other areas in the Bank including Credit, Loan Operations and Executive Management, and understanding and critically analyzing borrower financial statements using accounting and finance skills on a daily basis. Additionally, Middle Market Banking Analyst l are expected to assist relationship managers with management of an existing portfolio of clients and monitor client relationship for compliance with credit standards through monthly portfolio monitoring, maintain a very high level of credit quality within the portfolio, participate in community and business functions to ensure a positive image for the bank within the regions marketplace, build a great rapport with clients and fellow associates, and treat others with respect and consideration regardless of their status or position.

All associates are expected to maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.

Minimum Requirements: To be considered for this position, you must possess the following qualifications.

• Bachelor's degree in accounting or finance or equivalent combination of education and experience.
• 6 months years of relevant experience.

Desired Qualifications: To be considered an ideal candidate, you should possess some of the following qualifications:

• Master's degree in accounting or finance and/or certification in the field.
• Experience in a specialized segment of financial services. (i.e. Energy, Food & Agribusiness, Asset Based Lending, Government & Nonprofit)
• 2+ years of relevant experience in commercial banking.
• Completed formal credit training program.

Skills and Abilities: Below is a general list of desired skills and abilities; this is not an exhaustive list.

• Strong business writing skills.
• Self-starter personality with a passion to pursue further endeavors in the finance field.
• Strong attention to detail.
• Strong Excel modeling skills.
• Proficient in Microsoft PowerPoint and Word.
• Provide strong credit knowledge.
• Clearly and enthusiastically convey information and ideas in a manner that engages and persuades clients.
• Well-developed and proven organizational skills with ability to utilize time efficiently.
• Ability to make sound and timely decisions, to consistently deliver on commitments, and assume responsibility for results.

Work Environment:

We are a culture that believes that people are our greatest asset and are at the heart of everything we do. We take pride in bringing clarity and simplicity to our associates (employees) and clients. Our decisions are made efficiently, fairly and locally. Our success is directly tied to the communities we serve. It is equally important for us to look through the lens of our applicants and associates to identify their individual needs. As such, we want to share the following:

• We are committed to our core value of meritocracy and supporting our associates in growing within their role
• When completing certain tasks, an associate may need to be able to grasp, push, pull, lift, bend, raise and hold hands and arms overhead.
• An associate must be able to work overtime to the extent necessary (typically no more than 5%).
• Flexible scheduling with an opportunity to work remotely as business needs allow.
• Travel as needed, no more than 5%.

Benefits:

In addition to your financial compensation, we also offer a generous benefits package that includes insurance, 401k, an associate stock purchase program, paid time off, associate banking perks. For more information about the benefits offered click here.

If this is what you believe in, then you're definitely right for us. Consider making an investment in us, so that we may invest in you and your bright future.

The Bank is committed to providing qualified applicants and associates reasonable accommodation, when necessary, to enable the individuals to complete the application process and/or perform the essential functions of the job. An applicant and/or associate requiring reasonable accommodation to perform any essential job function, should contact Human Resources.