Commercial Banking Officer Development Program Analysis Track

We're developing the next generation of leaders

Hickory Point Bank's leadership program is designed to provide a challenging, fast-paced, real world experience offering exposure to all aspects of the commercial banking business. Participants will have access to members of the Bank's executive leadership team, as well as leaders within their communities to help develop their skills and position them for successful careers in banking.

Note: This full-time program begins in May 2023

The Credit Analyst is the first position in Hickory Point Bank & Trust's (the "Bank") Commercial Banking Officer Development Program - Analyst Track, which is a comprehensive multi-year experience where new bankers will learn and apply financial statement analysis, credit underwriting, industry research, loan administration, relationship development, project management, and leadership skills to position them for a successful and rewarding career in commercial banking.

In the Commercial Banking Officer Development Program, the Credit Analyst will learn the fundamental skills on which to build a career in commercial banking. The Credit Analyst role will be able to transition into the Credit Analyst II role, performing core credit analysis duties, generally with the guidance of more experienced credit staff.

Essential Job Duties:

The Credit Analyst is expected to spread financial statements; prepare Extended Ratio, Cash Flow, and Collateral Analyses; prepare the quarterly M-Track monitoring reports; and assist with preparing credit approval documents.

After approximately 1-2 years, the Credit Analyst would be expected to have thorough understanding of commercial credit analysis and would transition to a Credit Analyst II and will be responsible for carrying out the following duties, with oversight from more experienced analysts:

• Preparing credit approval documents
• Reviewing financial statements and providing meaningful feedback to relationship managers
• Assisting others with assessing loan opportunities and identifying associated risks
• Preparing appraisal reviews and real estate evaluations
• Maintaining excellent credit quality through careful monitoring of existing loans, tracking receipt of timely financial information, and verifying compliance with financial covenants; monitoring loan grades based on customer financial performance as well as industry and other considerations
• Assisting other more experienced analysts with special projects

The Credit Analyst would be expected to conduct all duties in compliance with applicable laws, regulations, and Bank policies and procedures.

Knowledge, Skills, and Abilities:

The Credit Analyst should have a bachelor's degree in finance or another business-related program, the ability to multi-task and prioritize, and a general understanding of financial statements. Additionally, in the Commercial Banking Officer Development Program, the Credit Analyst should be attentive to detail and deadlines, have a strong work ethic, excellent verbal and written communication skills, the ability to work autonomously, and a service propensity.

Training and Experience:

Prior experience and training is not necessary for the Credit Analyst; however, a bachelor's degree and background in accounting and/or finance is required.

Job Qualifications:

• Successful record of academic achievement and on-campus involvement
• Excellent oral and written communication, entrepreneurial spirit, ability to sell/influence and thrive in a sales environment
• Leadership capabilities
• Strong presentation and facilitation skills
• Demonstrated self- motivation
• Demonstrated professionalism
• Economic/industry knowledge
• Entrepreneurial spirit
• Analytical skills and critical thinking
• Ability to sell/influence and thrive in a sales environment
• Customer-focused orientation to providing services
• Minimum GPA of 3.00 required (3.50+ preferred)

Physical Demands, Working Conditions and Hours:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job, as needed and required, which may include the ability to lift 25 pounds.

While performing the duties of this job, the employee is regularly required to see, talk or hear. The employee is frequently required to sit for extended periods of time.

Must be available to work when banking center is open, including after-hour events, as scheduled. A normal work week is 40-45 hours.

Who Should Apply:

• Students currently pursuing a Bachelor's degree, with a business major (economics, finance or accounting preferred) with a graduation date of May 2023

Master's degree candidates are welcome to apply but must have one year or less of prior professional experience.

Immigration sponsorship is not available for this position. To qualify, applicants must be legally authorized to work in the United States and should not require, now or in the future, sponsorship for employment visa status.

Equal Opportunity Employer: Disability/Veteran