ANB Bank hires individuals who provide excellent customer service and build meaningful relationships with our customers and within our communities. ANB is committed to rewarding our team members who strengthen our company and culture. ANB offers competitive compensation and a comprehensive benefits package for this position.

• Hiring Pay Range: $54,080.00 - $57,080.00 per year
  • The hiring pay range for this position includes an additional $1.00 per hour Cost of Living Adjustment added to your base pay range.
    

Benefits Package Offered (Subject to Eligibility Requirements)

• Paid Vacation, Sick, and Holiday Time
• Discretionary Annual Bonus and 401(k) Match
• Company Subsidized Medical, Dental, and Vision Insurance Available for Employee, Employee +Spouse, Employee +Child(ren), and Employee +Family
• Healthcare and Dependent Care Flexible Spending Account
• Health Savings Account and Limited Purpose Flexible Spending Account for High Deductible Health Plan (HDHP)
• Company Provided Employee Life, Employee AD&D, and Long-Term Disability Insurance
• Supplemental Life Insurance for Employee, Spouse, and Child(ren)
• Supplemental AD&D Insurance for Employee and Spouse
• Short-Term Disability
• Employee Assistance Program
• Tuition Assistance Program
• Professional Development Resources
• Employee Banking Services
• Free Employee Parking
  

Qualifications

• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
  

Essential Duties and Responsibilities

• Assist with lender preparation of Credit Presentations for bank Loan Committee.
• Prepare spreadsheets, cash flow analyses, and collateral assessments with commentary in Evalutation of commercial (R/E, Ag, Energy, C&I) loan requests.
• Perform extensive credit analysis gathering, analyzing, and interpreting all types of credit information on existing and prospective customers prior to the credit decision being made. This includes but is not limited to:
  • Analysis of business and personal financial statements such as balance sheets, income statements, cash flow statements, and credit reports.
  • May also include analysis of customer performance compared to peer industry averages.
• Meet with lenders to gather information to support credit analysis.
• Investigate all available sources of credit and financial information, including reporting services, credit bureaus, and agencies.
• Review appraisals, environmental reports, title reports, and loan documents for collateral property.
• When appropriate, review and analyze property financial information to determine actual income, expenses, and projected debt service coverage.
• Interact with accountants and attorneys at direction of management, when necessary to perform analysis.
• Research and/or develop credit information for use by senior credit staff, lenders, or other credit officers in lending decisions on new loans, renewals, and extensions.
• Update spreadsheets, cash flow analyses, collateral assessments, and financial statements for term loan reviews.
• Maintains consistent compliance with Bank Secrecy Act (BSA) requirements, banking regulations, and bank policies and procedures related to the position.
• Must meet established deadlines and deliver quality of services as defined by department standards.
• Other duties may be assigned.
  

Education and/or Experience

• 0 - 2 years related experience in analyzing financial data and lending strategies to estimate degree of risk involved in extending credit; or equivalent combination of education and experience.
• Previous knowledge of sound lending and underwriting principles, industry standards, and regulatory compliance.
• Previous knowledge of financial spreading systems, such as Moody's or equivalent.
• Preferred degree experience or certification in accounting, real estate, or finance; or equivalent combination of education and experience.
  

Equal Opportunity Employer / Affirmative Action / Minorities / Female / Disability / Veteran

ANB Bank is committed to providing Equal Opportunity in Employment. The Bank is continually trying to improve recruitment, employment, development and promotional opportunities for its employees. Our selection decisions are based on job-related factors and not on the basis of age, race, sex, color, religion, national origin, disability, sexual orientation, veteran status, or any other status protected by federal, state, or local law.

ANB Bank complies with the Equal Pay for Equal Work Act. ANB Bank requests that Applicant not disclose its wage rate history to ANB Bank. If ANB Bank for any reason comes into possession of Applicant’s wage rate history, ANB Bank will not rely on it in determining a wage rate.