Senior Credit Analyst

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Why work for First Federal Bank? 

Our company culture is driven by our desire to serve our members and communities, something we have done for over 100 years. Along with doing meaningful work, enjoy perks and benefits that come along with being part of Idaho’s only mutual bank – no stockholders or majority owners, just our account members!

Eligible First Federal Bank employees receive paid vacation, sick leave, and holidays; health insurance, dental insurance, and vision insurance; 401(K) retirement; educational assistance; life insurance; and long-term disability insurance.

Employees also receive paid community service hours and can participate in our Pay-It-Forward program to give back to the communities we serve. In addition, the First Federal Foundation has provided over $1.4 million to local non-profits since 2003. For a meaningful job and to be part of a community-focused team, as well as much more, apply today at www.bankfirstfed.com/careers.

Essential Duties and Responsibilities  

• Perform analysis of financial statements and tax returns to evaluate existing and projected cash flow.
• Analyze the strengths and weaknesses of the borrower and management team.
• Conduct industry research to identify key drivers, challenges, and trends that are most relevant.
• Utilize financial ratios and industry peer comparisons to evaluate borrower performance.
• Perform review of commercial/residential property appraisals, evaluations and environmental reports.
• Review preliminary research such as UCC lien searches, property information, etc.
• Prepare detailed Credit Memorandums with defined credit quality expectations and within credit policies and procedures for review and approval, including recommendations, key risk factors, sources of repayment, cash flow modeling, leverage profile assessment and ability to service debt.
• Complete annual reviews and covenant compliance on defined bank portfolio.

Minimum Qualifications

•  A bachelor’s degree in accounting, finance, or equivalent, and
•  Five (5) years’ experience in the analysis of complex financial information (financial statements, tax returns, etc.). 

Preferred Qualifications

•  A master’s degree in accounting, finance or equivalent
•  Professional Certification: CPA or CFA

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Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)