North Dakota Class Description
CREDIT REVIEW ANALYST (0554-5)
Scope of Work:
Work involves analyzing commercial, farm, residential real estate, and student loans and related servicing activity to determine credit risk and compliance with laws, regulations, policies, and procedures pertaining to lending. Positions assigned this classification are at the Bank of North Dakota.
Duties Performed at all Levels:
- Evaluate loan documentation for quality of loan underwriting, accuracy of loan accounting system data, and compliance with Bank policies and procedures and regulatory guidelines.
- Analyze financial statements and tax return data to assess financial condition; determine performance ratios, adequacy of assigned risk ratings and cash flows, repayment sources and terms, compliance with financial loan covenants, guarantor support, and collateral valuations.
- Communicate issues and provide recommendations to lending staff and Bank management.
- Prepare credit quality reports utilized by lending staff, Bank management, and Advisory Board and Industrial Commission members.
- Complete research and other assigned projects; participate in credit risk process improvement initiatives; and participate in loan workout strategies.
NOTE: The duties listed are not intended to be all-inclusive. Duties assigned any individual employee are at the discretion of the appointing authority.
CREDIT REVIEW ANALYST I (0554)
Grade 9
Level Definition:
Work at this level is performed under close supervision and involves conducting loan reviews and preparing credit risk management reports of limited complexity.
Additional Duties Performed at this Level:
- None.
Minimum Qualifications:
Requires a high school diploma or GED and four years of bank-related lending work experience that included application of loan documentation standards and related banking laws and regulations, credit analysis, or loan processing. College-level coursework in accounting, finance, business administration, or a related field may substitute for the work experience requirement on a year-for-year basis.
CREDIT REVIEW ANALYST II (0555)
Grade 10
Level Definition:
Work at this level involves performing credit review duties of varying complexity and increased problem loan exposure to ensure identification of overall risk.
Additional Duties Performed at this Level:
- Research, gather, and analyze statistical data utilized in the development of complex loan portfolio analysis reports for reference and decision making by lending staff and Bank management.
- Make recommendations regarding the outcome of completed loan review activity, which includes formulation of plans for correction of unsatisfactory conditions impacting the loan portfolio.
- Provide training to lending staff on legal or regulatory issues impacting loan approval and underwriting decisions.
- Provide training, guidance, and approval of loan reviews and report preparation performed by Credit Review Analyst Is.
- Participate in developing and maintaining departmental procedures and guidelines for documenting work activities.
Minimum Qualifications:
Requires a high school diploma or GED and four years of bank-related lending work experience that included application of loan documentation standards and related banking laws and regulations, credit analysis, or loan processing, two years of which must have included credit review analysis at a level comparable to that of the Credit Review Analyst I. College-level coursework in accounting, finance, business administration, or a related field may substitute for the work experience requirement on a year-for-year basis.
Eff. Date: 1/87
Rev: 3/99 – Updated format
Rev: 8/10 – Revised to make a two-level series
