Credit Review Analyst II

Position Summary

• Risk Grade - Assess the adequacy of the risk grade classification through the review of borrower and guarantor financial performance, collateral strength, and verification/completion of various risk grading scorecards.
• Portfolio Management -Monitor ongoing portfolio management activities, such as timely portfolio reviews, covenant compliance, and borrowing base compliance and management.
• Underwriting - Assess the adequacy of the Credit department's analyses through the verification and/or calculation of financial and collateral ratios, such as cash flow, leverage, liquidity, and loan-to-value ratios. Evaluate the underwriting standards and activities of lending and credit personnel including compliance with lending policies and the quality of loan approval, monitoring, and risk assessment.
• Financial - Review the credit file for completeness and timeliness of required borrower and/or guarantor(s) financial statement reporting such as audits/reviews/tax returns, borrowing base certificates, and covenant compliance certificates.
• Policy - Understand, interpret, and apply complex lending policies and regulatory guidance to a diverse set of customers and credit structures.
• System - Review loan computer records for proper classification and coding for management financial reporting purposes.
• Documentation - Confirm the accuracy of loan, entity, collateral, and government guarantee/program-specific documents as compared with approved loan structure/requirements.

Knowledge of:

• Basic accounting skills
• Basic understanding of financial statements
• Credit fundamentals including loan structures and credit analytic ratios (i.e. balance sheet, cash flow, and other performance ratios/metrics)
• General loan & collateral documentation
• Basic Microsoft Office skills - focused on Word and Excel

Education and Training:

• Minimum 4-year college degree in finance, accounting, or economics.
• 4-8 years of commercial loan review and/or credit analysis experience.

Benefits and Compensation

Salary offered is based on factors, including but not limited to, the job duties, required qualifications and relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance.

(Base Pay Range: $70,000 - $90,000/year)

Busey provides a competitive Total Rewards package in return for your time, talents, efforts and ultimately, results. Your personal and professional well-being-now and in the years to come-are important to us. Busey's Total Rewards include a competitive benefits package offering 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company-paid life insurance and long-term disability, supplemental voluntary life insurance, short-term and long-term disability, wellness incentives and an employee assistance program. In addition, eligible associates may take advantage of pre-tax health savings accounts and flexible spending accounts. Visit Busey Total Rewards for more information.

Equal Opportunity

Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey's commitment of delivering service excellence. Busey is an Equal Opportunity Employer including Disability/Vets. Visit Busey.com/Careers to learn more about Busey's Equal Opportunity Employment.

Unsolicited Resumes

Busey Bank, and its subsidiaries, does not accept any liability for fees for resumes from recruiters or employment agencies ("Agency"), without a binding, written recruitment agreement between Busey and Agency describing the services and specific job openings ("Agreement"). Busey may consider any candidate for whom an Agency has submitted an unsolicited resume and explicitly reserves the right to hire those candidate(s) without any financial obligation to the Agency, unless an Agreement is in place. Any email or verbal contact with any Busey associate is inadequate to create a binding agreement. Agencies without an Agreement are requested not to contact any associates of Busey with recruiting inquiries or resumes. Busey respectfully requests no phone calls or emails.