Description: TrustBank is seeking a highly motivated individual to join our growing team. This is an entry level position. The Associate Credit Analyst will be mentored by the AVP, Senior Credit Risk Manager and/or other experienced Credit Analysts on how to properly evaluate the financial strength and creditworthiness of an applicant across various industries. Job Description Job Title: Associate Credit Analyst Department: Risk Management Reports To : AVP, Senior Credit Risk Manager FLSA Status: Non-Exempt Type of Position: Full-Time Job Summary The Associate Credit Analyst is responsible for assessing the creditworthiness of applicants across a variety of loan types, including commercial, real estate, agricultural, and consumer. This role involves analyzing financial statements, tax returns, and cash flow to identify repayment capacity, financial trends, and peer performance year over year. The analyst will prepare detailed credit presentations that highlight the strengths, weaknesses, and risks of each loan relationship, provide collateral evaluations and loan-to-value calculations, and recommend appropriate risk ratings. While collaborating with loan officers throughout the underwriting process, the Associate Credit Analyst must maintain independence in analysis, identify potential credit issues, and ensure compliance with internal policies and regulatory requirements. Primary Duties and Responsibilities 1.Analyze the overall credit quality and risk of applicants by reviewing financial statements, tax returns, credit reports, collateral values, and other relevant information including independent online research. 2.Prepare accurate financial spreads, ratio analyses, and cash flow models using spreadsheet and word processing tools. 3.Develop comprehensive credit presentations that include repayment capacity of the borrowers and guarantors, collateral descriptions, loan-to value calculations, and a clear summary of strengths, weaknesses, and risks. 4.Collaborate and communicate clearly with loan officers to assess client needs, loan structure, and pricing. Communicate directly with clients, as needed. 5.Ensure credit analysis and presentations reflect adherence to internal credit policies, loan administration procedures, and regulatory requirements. 6.Document policy or documentation exceptions, as well as prior-to-close conditions. 7.Assign and recommend credit risk ratings in accordance with Loan Policy guidelines. 8.Participate as a non-voting member of the Loan Committee meetings, exercising sound judgement and maintaining constructive communication. 9.Determine whether requests for information should be furnished or refused based on confidentiality, requiring strong judgment and quick decision-making. 10.Recognize irregular or suspicious transactions and take appropriate steps to prevent loss. Help ensure compliance with BSA/AML/OFAC regulations. 11.Assist with annual loan reviews and portfolio monitoring as requested, including providing support to the Auditor during internal and external audits. 12.Additional responsibilities as needed to support departmental and organizational goals. Traits/Characteristics of a Successful Associate Credit Analyst Strong attention to detail and accuracy. Basic understanding of financial statements - balance sheets, income statements, and cash flow statements, with a willingness to deepen knowledge through training and experience. Critical thinking, exercise sound judgment, and learn to form independent perspectives with guidance. Adaptability to changing workloads Comfortable managing multiple tasks and shifting priorities in a dynamic environment. Eagerness to learn risk assessment principles Shows interest in understanding credit risk and how it impacts decision-making. Self-motivated and proactive and takes initiative in learning and contributing to team goals. Inquisitive and curious with a desire to understand why. Professionalism and integrity and can demonstrate respect in all interactions, including challenging conversations. Working Conditions and Essential Functions The position is Monday through Friday, typically from 8 AM 5 PM and is a minimum of forty hours a week, but longer hours may be needed to meet the demands of the job. There is a well-lit office environment, and the noise level is usually moderate. The duties of the job may require the employee to stand, walk, use hands, and feel objects, tools, or controls, reach with hands, arms, and talk, or hear. Ability to lift 25 pounds. Vision abilities include close vision, distance vision, peripheral vision, depth perception and the ability to focus. Ability to travel via air, rail, automobile and or/bus (if position requires travel). Compensation and Benefits Total compensation for this position is $21.50 per hour to $31.25 per hour. TrustBank provides a generous benefits offering, with details on our banks website: TrustBank Core Values Embrace and promote the TrustBank Culture and Core Values in all aspects of your duties. Strictly manage and protect sensitive information to which you are entrusted. Disclosures TrustBank recognizes that people are our banks strength, and we place a high value on diversity and inclusion. We do not discriminate based on any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs. The best talent will acquire the position. Equal Opportunity Employer/Disability/Veterans. This job description may be subject to change and is not intended to be all-inclusive. The employee may perform other related duties to meet the ongoing needs of the organization. Updated: November 3, 2025 Requirements: Education and/or Experience Bachelor's degree (B. S.) from a four-year college or university with a focus on finance, accounting, or economics. Related experience in a banking environment and/or the agriculture industry is preferred. Required Skills and Abilities 1.Ability to self-review and identify errors in written presentations, analysis, and reporting. 2.Proficient in Microsoft Word and Excel with the ability to adapt Excel formats, data validations, formulas, conditional formatting, pivot tables, and financial modeling and analysis. 3.Excellent report writing, grammar, and verbal communication skills. 4.Ability to produce clear, professional credit presentations. 5.Organizational and time management skills, including the ability to manage multiple priorities and deadlines. 6.Willingness to learn loan policy, lending regulations, and overall bank procedures. 7.Capacity to develop a solid understanding of the banks core processing system to assemble data and generate reports. Compensation details: 21.5-31.25 Hourly Wage PI593e2ad1fa75-0007
12/05/2025
Full time
Description: TrustBank is seeking a highly motivated individual to join our growing team. This is an entry level position. The Associate Credit Analyst will be mentored by the AVP, Senior Credit Risk Manager and/or other experienced Credit Analysts on how to properly evaluate the financial strength and creditworthiness of an applicant across various industries. Job Description Job Title: Associate Credit Analyst Department: Risk Management Reports To : AVP, Senior Credit Risk Manager FLSA Status: Non-Exempt Type of Position: Full-Time Job Summary The Associate Credit Analyst is responsible for assessing the creditworthiness of applicants across a variety of loan types, including commercial, real estate, agricultural, and consumer. This role involves analyzing financial statements, tax returns, and cash flow to identify repayment capacity, financial trends, and peer performance year over year. The analyst will prepare detailed credit presentations that highlight the strengths, weaknesses, and risks of each loan relationship, provide collateral evaluations and loan-to-value calculations, and recommend appropriate risk ratings. While collaborating with loan officers throughout the underwriting process, the Associate Credit Analyst must maintain independence in analysis, identify potential credit issues, and ensure compliance with internal policies and regulatory requirements. Primary Duties and Responsibilities 1.Analyze the overall credit quality and risk of applicants by reviewing financial statements, tax returns, credit reports, collateral values, and other relevant information including independent online research. 2.Prepare accurate financial spreads, ratio analyses, and cash flow models using spreadsheet and word processing tools. 3.Develop comprehensive credit presentations that include repayment capacity of the borrowers and guarantors, collateral descriptions, loan-to value calculations, and a clear summary of strengths, weaknesses, and risks. 4.Collaborate and communicate clearly with loan officers to assess client needs, loan structure, and pricing. Communicate directly with clients, as needed. 5.Ensure credit analysis and presentations reflect adherence to internal credit policies, loan administration procedures, and regulatory requirements. 6.Document policy or documentation exceptions, as well as prior-to-close conditions. 7.Assign and recommend credit risk ratings in accordance with Loan Policy guidelines. 8.Participate as a non-voting member of the Loan Committee meetings, exercising sound judgement and maintaining constructive communication. 9.Determine whether requests for information should be furnished or refused based on confidentiality, requiring strong judgment and quick decision-making. 10.Recognize irregular or suspicious transactions and take appropriate steps to prevent loss. Help ensure compliance with BSA/AML/OFAC regulations. 11.Assist with annual loan reviews and portfolio monitoring as requested, including providing support to the Auditor during internal and external audits. 12.Additional responsibilities as needed to support departmental and organizational goals. Traits/Characteristics of a Successful Associate Credit Analyst Strong attention to detail and accuracy. Basic understanding of financial statements - balance sheets, income statements, and cash flow statements, with a willingness to deepen knowledge through training and experience. Critical thinking, exercise sound judgment, and learn to form independent perspectives with guidance. Adaptability to changing workloads Comfortable managing multiple tasks and shifting priorities in a dynamic environment. Eagerness to learn risk assessment principles Shows interest in understanding credit risk and how it impacts decision-making. Self-motivated and proactive and takes initiative in learning and contributing to team goals. Inquisitive and curious with a desire to understand why. Professionalism and integrity and can demonstrate respect in all interactions, including challenging conversations. Working Conditions and Essential Functions The position is Monday through Friday, typically from 8 AM 5 PM and is a minimum of forty hours a week, but longer hours may be needed to meet the demands of the job. There is a well-lit office environment, and the noise level is usually moderate. The duties of the job may require the employee to stand, walk, use hands, and feel objects, tools, or controls, reach with hands, arms, and talk, or hear. Ability to lift 25 pounds. Vision abilities include close vision, distance vision, peripheral vision, depth perception and the ability to focus. Ability to travel via air, rail, automobile and or/bus (if position requires travel). Compensation and Benefits Total compensation for this position is $21.50 per hour to $31.25 per hour. TrustBank provides a generous benefits offering, with details on our banks website: TrustBank Core Values Embrace and promote the TrustBank Culture and Core Values in all aspects of your duties. Strictly manage and protect sensitive information to which you are entrusted. Disclosures TrustBank recognizes that people are our banks strength, and we place a high value on diversity and inclusion. We do not discriminate based on any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs. The best talent will acquire the position. Equal Opportunity Employer/Disability/Veterans. This job description may be subject to change and is not intended to be all-inclusive. The employee may perform other related duties to meet the ongoing needs of the organization. Updated: November 3, 2025 Requirements: Education and/or Experience Bachelor's degree (B. S.) from a four-year college or university with a focus on finance, accounting, or economics. Related experience in a banking environment and/or the agriculture industry is preferred. Required Skills and Abilities 1.Ability to self-review and identify errors in written presentations, analysis, and reporting. 2.Proficient in Microsoft Word and Excel with the ability to adapt Excel formats, data validations, formulas, conditional formatting, pivot tables, and financial modeling and analysis. 3.Excellent report writing, grammar, and verbal communication skills. 4.Ability to produce clear, professional credit presentations. 5.Organizational and time management skills, including the ability to manage multiple priorities and deadlines. 6.Willingness to learn loan policy, lending regulations, and overall bank procedures. 7.Capacity to develop a solid understanding of the banks core processing system to assemble data and generate reports. Compensation details: 21.5-31.25 Hourly Wage PI593e2ad1fa75-0007
Description: Works with Region Manager to meet/exceed sales goals, provide leadership and guidance to personnel and ensure successful daily operations of the financial center. Essential Functions Manages financial center sales staff to meet/exceed financial center sales goals by mentoring/coaching the staff, using the ERB process to cross-sell additional products/services with a focus on Health Savings Accounts (HSA). Ensures staff provides superior service to the customers by servicing transactional needs, maintaining confidentiality and responding to customer questions/requests in a timely manner. Performs banking transactions and opens new accounts as needed. Knowledge of Health Savings Accounts. Proficient at identifying customer needs, recommending specific products and/or services. Expands customer relationships by making appropriate referrals, such as investments, small business loans, commercial loans, and mortgage loans. Conducts daily CI huddles with staff members. Mentors/develops staff by providing on-going sales coaching, regular feedback on performance, opportunities for development, writing reviews, making recommendations to reward performance exceeding standards and handling employee disciplinary issues in a professional, objective and impartial manner. Ensures staffing levels are adequate to meet needs by conducting interviews and hiring staff, complying with federal, state, and local employment laws and promoting equal employment opportunity efforts. Ensures staff complies with the Privacy Policy, bank procedures and regulatory/operational/security guidelines by instructing/guiding employees and performing internal financial center audit functions. Increases financial center efficiency and staff knowledge by ensuring employees are properly trained in banking transactions, customer service and cross selling skills, proper telephone etiquette and company goals. Conducts presentations at manager meetings. Satisfactory Mystery Shops for the Manager and the Employees that are supervised. Secondary Functions: Represents the financial center in the local community by participating in civic and community events and activities. Assists Region Manager with the financial center budget process by providing suggestions when preparing the annual budget goals and controlling staff overtime and supply expense. Identifies loan opportunities and makes tele-consulting calls. Contributes to the team effort by working on special projects/reports, performing other job-related duties, and accomplishing related results. Standards: Able to perform all standards of the Financial Center, including profit contribution, fee income contribution, and increasing low cost of deposits- both consumer and commercial. Financial center consistently meets deposit, deposit mix, controls expenses, fee income, and referral goals and aggressively strives to achieve personal sales goals as evidenced by sales reports and tracking forms. Makes quality referrals for mortgage loans, small business loans, commercial loans, and investments as evidenced by sales reports. Demonstrates the ability to make results-oriented business sales calls as evidenced by management observation during joint calls and input into sales. Consistently coaches staff in office and holds CSR's accountable for meeting personal sales goals - coaching forms are thorough and demonstrate follow through in monitoring employee performance. Thorough understanding of ERB process and ability to coach staff in quality results-oriented sales interviews. Employee performance reviews are thorough, accurate and submitted by due date. Receives favorable reports from support departments (Consumer, Operations, EFT, HR etc.) for own performance and performance of staff. Has minimal exceptions to and favorable comments on monthly Financial Center Control Checklists, semi-annual audits, and internal audit reviews. Demonstrates excellent customer service/sales skills both in person and on telephone as evidenced by management observation and properly completed sales/service systems. Is actively involved in the community and finds ways to leverage those relationships into networking opportunities that result in new business as evidenced by sales reports. Ensures staff attends all mandatory training within timeline specified and additional training classes within reasonable timelines. Sets the standard for staff on professionalism, customer service, teamwork, attendance, and punctuality as evidenced by management observation. Requirements: Physical Demands: Talking-Ability to express or exchange ideas by means of the spoken word. Hearing-Ability to receive detailed information through oral communication. Seeing-Ability to view a computer screen for an extended period of time and/or identify individuals visually. Standing-Ability to stand on feet for long periods of time. Walking-Ability to use feet and legs to move from one place to another specifically in narrow/confined spaces. Finger dexterity-Ability to work with fingers for handling coins or other small objects and use a keyboard. Reaching-Ability to extend hand/arms in any direction to move/handle objects. Lifting-Ability to lift and/or move up to 25 pounds. Knowledge, Skills and Abilities: Associate's Degree in related field or equivalent business experience required. Minimum 18 months combination banking and sales experience required, to include retail banking and consumer lending, 6 months with Liberty, preferred. Ability to utilize sales techniques to expand banking relationships and a strong knowledge of bank operations/products and compliance regulations required. Demonstrates leadership/decision-making skills and the ability to motivate/lead staff is required. Strong communication skills and the ability to communicate with all types of individuals provide superior customer service and work well with others is required. Professional manner and a well-groomed business-like appearance required. Flexibility to participate in civic/community activities and work a flexible schedule based on financial center need is required. Computer skills and the ability to utilize industry-related software are required. PM19 An Equal Employment Opportunity Employer/Minorities/Females/Veterans/Disabilities PI5df4f5758bad-7778
12/04/2025
Full time
Description: Works with Region Manager to meet/exceed sales goals, provide leadership and guidance to personnel and ensure successful daily operations of the financial center. Essential Functions Manages financial center sales staff to meet/exceed financial center sales goals by mentoring/coaching the staff, using the ERB process to cross-sell additional products/services with a focus on Health Savings Accounts (HSA). Ensures staff provides superior service to the customers by servicing transactional needs, maintaining confidentiality and responding to customer questions/requests in a timely manner. Performs banking transactions and opens new accounts as needed. Knowledge of Health Savings Accounts. Proficient at identifying customer needs, recommending specific products and/or services. Expands customer relationships by making appropriate referrals, such as investments, small business loans, commercial loans, and mortgage loans. Conducts daily CI huddles with staff members. Mentors/develops staff by providing on-going sales coaching, regular feedback on performance, opportunities for development, writing reviews, making recommendations to reward performance exceeding standards and handling employee disciplinary issues in a professional, objective and impartial manner. Ensures staffing levels are adequate to meet needs by conducting interviews and hiring staff, complying with federal, state, and local employment laws and promoting equal employment opportunity efforts. Ensures staff complies with the Privacy Policy, bank procedures and regulatory/operational/security guidelines by instructing/guiding employees and performing internal financial center audit functions. Increases financial center efficiency and staff knowledge by ensuring employees are properly trained in banking transactions, customer service and cross selling skills, proper telephone etiquette and company goals. Conducts presentations at manager meetings. Satisfactory Mystery Shops for the Manager and the Employees that are supervised. Secondary Functions: Represents the financial center in the local community by participating in civic and community events and activities. Assists Region Manager with the financial center budget process by providing suggestions when preparing the annual budget goals and controlling staff overtime and supply expense. Identifies loan opportunities and makes tele-consulting calls. Contributes to the team effort by working on special projects/reports, performing other job-related duties, and accomplishing related results. Standards: Able to perform all standards of the Financial Center, including profit contribution, fee income contribution, and increasing low cost of deposits- both consumer and commercial. Financial center consistently meets deposit, deposit mix, controls expenses, fee income, and referral goals and aggressively strives to achieve personal sales goals as evidenced by sales reports and tracking forms. Makes quality referrals for mortgage loans, small business loans, commercial loans, and investments as evidenced by sales reports. Demonstrates the ability to make results-oriented business sales calls as evidenced by management observation during joint calls and input into sales. Consistently coaches staff in office and holds CSR's accountable for meeting personal sales goals - coaching forms are thorough and demonstrate follow through in monitoring employee performance. Thorough understanding of ERB process and ability to coach staff in quality results-oriented sales interviews. Employee performance reviews are thorough, accurate and submitted by due date. Receives favorable reports from support departments (Consumer, Operations, EFT, HR etc.) for own performance and performance of staff. Has minimal exceptions to and favorable comments on monthly Financial Center Control Checklists, semi-annual audits, and internal audit reviews. Demonstrates excellent customer service/sales skills both in person and on telephone as evidenced by management observation and properly completed sales/service systems. Is actively involved in the community and finds ways to leverage those relationships into networking opportunities that result in new business as evidenced by sales reports. Ensures staff attends all mandatory training within timeline specified and additional training classes within reasonable timelines. Sets the standard for staff on professionalism, customer service, teamwork, attendance, and punctuality as evidenced by management observation. Requirements: Physical Demands: Talking-Ability to express or exchange ideas by means of the spoken word. Hearing-Ability to receive detailed information through oral communication. Seeing-Ability to view a computer screen for an extended period of time and/or identify individuals visually. Standing-Ability to stand on feet for long periods of time. Walking-Ability to use feet and legs to move from one place to another specifically in narrow/confined spaces. Finger dexterity-Ability to work with fingers for handling coins or other small objects and use a keyboard. Reaching-Ability to extend hand/arms in any direction to move/handle objects. Lifting-Ability to lift and/or move up to 25 pounds. Knowledge, Skills and Abilities: Associate's Degree in related field or equivalent business experience required. Minimum 18 months combination banking and sales experience required, to include retail banking and consumer lending, 6 months with Liberty, preferred. Ability to utilize sales techniques to expand banking relationships and a strong knowledge of bank operations/products and compliance regulations required. Demonstrates leadership/decision-making skills and the ability to motivate/lead staff is required. Strong communication skills and the ability to communicate with all types of individuals provide superior customer service and work well with others is required. Professional manner and a well-groomed business-like appearance required. Flexibility to participate in civic/community activities and work a flexible schedule based on financial center need is required. Computer skills and the ability to utilize industry-related software are required. PM19 An Equal Employment Opportunity Employer/Minorities/Females/Veterans/Disabilities PI5df4f5758bad-7778
Description: Works with Region Manager to meet/exceed sales goals, provide leadership and guidance to personnel and ensure successful daily operations of the financial center. Essential Functions Manages financial center sales staff to meet/exceed financial center sales goals by mentoring/coaching the staff, using the ERB process to cross-sell additional products/services with a focus on Health Savings Accounts (HSA). Ensures staff provides superior service to the customers by servicing transactional needs, maintaining confidentiality and responding to customer questions/requests in a timely manner. Performs banking transactions and opens new accounts as needed. Knowledge of Health Savings Accounts. Proficient at identifying customer needs, recommending specific products and/or services. Expands customer relationships by making appropriate referrals, such as investments, small business loans, commercial loans, and mortgage loans. Conducts daily CI huddles with staff members. Mentors/develops staff by providing on-going sales coaching, regular feedback on performance, opportunities for development, writing reviews, making recommendations to reward performance exceeding standards and handling employee disciplinary issues in a professional, objective and impartial manner. Ensures staffing levels are adequate to meet needs by conducting interviews and hiring staff, complying with federal, state, and local employment laws and promoting equal employment opportunity efforts. Ensures staff complies with the Privacy Policy, bank procedures and regulatory/operational/security guidelines by instructing/guiding employees and performing internal financial center audit functions. Increases financial center efficiency and staff knowledge by ensuring employees are properly trained in banking transactions, customer service and cross selling skills, proper telephone etiquette and company goals. Conducts presentations at manager meetings. Satisfactory Mystery Shops for the Manager and the Employees that are supervised. Secondary Functions: Represents the financial center in the local community by participating in civic and community events and activities. Assists Region Manager with the financial center budget process by providing suggestions when preparing the annual budget goals and controlling staff overtime and supply expense. Identifies loan opportunities and makes tele-consulting calls. Contributes to the team effort by working on special projects/reports, performing other job-related duties, and accomplishing related results. Standards: Able to perform all standards of the Financial Center, including profit contribution, fee income contribution, and increasing low cost of deposits- both consumer and commercial. Financial center consistently meets deposit, deposit mix, controls expenses, fee income, and referral goals and aggressively strives to achieve personal sales goals as evidenced by sales reports and tracking forms. Makes quality referrals for mortgage loans, small business loans, commercial loans, and investments as evidenced by sales reports. Demonstrates the ability to make results-oriented business sales calls as evidenced by management observation during joint calls and input into sales. Consistently coaches staff in office and holds CSRs accountable for meeting personal sales goals coaching forms are thorough and demonstrate follow through in monitoring employee performance. Thorough understanding of ERB process and ability to coach staff in quality results-oriented sales interviews. Employee performance reviews are thorough, accurate and submitted by due date. Receives favorable reports from support departments (Consumer, Operations, EFT, HR etc.) for own performance and performance of staff. Has minimal exceptions to and favorable comments on monthly Financial Center Control Checklists, semi-annual audits, and internal audit reviews. Demonstrates excellent customer service/sales skills both in person and on telephone as evidenced by management observation and properly completed sales/service systems. Is actively involved in the community and finds ways to leverage those relationships into networking opportunities that result in new business as evidenced by sales reports. Ensures staff attends all mandatory training within timeline specified and additional training classes within reasonable timelines. Sets the standard for staff on professionalism, customer service, teamwork, attendance, and punctuality as evidenced by management observation. Requirements: Physical Demands: TalkingAbility to express or exchange ideas by means of the spoken word. HearingAbility to receive detailed information through oral communication. SeeingAbility to view a computer screen for an extended period of time and/or identify individuals visually. StandingAbility to stand on feet for long periods of time. WalkingAbility to use feet and legs to move from one place to another specifically in narrow/confined spaces. Finger dexterityAbility to work with fingers for handling coins or other small objects and use a keyboard. ReachingAbility to extend hand/arms in any direction to move/handle objects. LiftingAbility to lift and/or move up to 25 pounds. Knowledge, Skills and Abilities: Associates Degree in related field or equivalent business experience required. Minimum 18 months combination banking and sales experience required, to include retail banking and consumer lending, 6 months with Liberty, preferred. Ability to utilize sales techniques to expand banking relationships and a strong knowledge of bank operations/products and compliance regulations required. Demonstrates leadership/decision-making skills and the ability to motivate/lead staff is required. Strong communication skills and the ability to communicate with all types of individuals provide superior customer service and work well with others is required. Professional manner and a well-groomed business-like appearance required. Flexibility to participate in civic/community activities and work a flexible schedule based on financial center need is required. Computer skills and the ability to utilize industry-related software are required. PM19 An Equal Employment Opportunity Employer/Minorities/Females/Veterans/Disabilities PId423e436d4d4-7778
12/04/2025
Full time
Description: Works with Region Manager to meet/exceed sales goals, provide leadership and guidance to personnel and ensure successful daily operations of the financial center. Essential Functions Manages financial center sales staff to meet/exceed financial center sales goals by mentoring/coaching the staff, using the ERB process to cross-sell additional products/services with a focus on Health Savings Accounts (HSA). Ensures staff provides superior service to the customers by servicing transactional needs, maintaining confidentiality and responding to customer questions/requests in a timely manner. Performs banking transactions and opens new accounts as needed. Knowledge of Health Savings Accounts. Proficient at identifying customer needs, recommending specific products and/or services. Expands customer relationships by making appropriate referrals, such as investments, small business loans, commercial loans, and mortgage loans. Conducts daily CI huddles with staff members. Mentors/develops staff by providing on-going sales coaching, regular feedback on performance, opportunities for development, writing reviews, making recommendations to reward performance exceeding standards and handling employee disciplinary issues in a professional, objective and impartial manner. Ensures staffing levels are adequate to meet needs by conducting interviews and hiring staff, complying with federal, state, and local employment laws and promoting equal employment opportunity efforts. Ensures staff complies with the Privacy Policy, bank procedures and regulatory/operational/security guidelines by instructing/guiding employees and performing internal financial center audit functions. Increases financial center efficiency and staff knowledge by ensuring employees are properly trained in banking transactions, customer service and cross selling skills, proper telephone etiquette and company goals. Conducts presentations at manager meetings. Satisfactory Mystery Shops for the Manager and the Employees that are supervised. Secondary Functions: Represents the financial center in the local community by participating in civic and community events and activities. Assists Region Manager with the financial center budget process by providing suggestions when preparing the annual budget goals and controlling staff overtime and supply expense. Identifies loan opportunities and makes tele-consulting calls. Contributes to the team effort by working on special projects/reports, performing other job-related duties, and accomplishing related results. Standards: Able to perform all standards of the Financial Center, including profit contribution, fee income contribution, and increasing low cost of deposits- both consumer and commercial. Financial center consistently meets deposit, deposit mix, controls expenses, fee income, and referral goals and aggressively strives to achieve personal sales goals as evidenced by sales reports and tracking forms. Makes quality referrals for mortgage loans, small business loans, commercial loans, and investments as evidenced by sales reports. Demonstrates the ability to make results-oriented business sales calls as evidenced by management observation during joint calls and input into sales. Consistently coaches staff in office and holds CSRs accountable for meeting personal sales goals coaching forms are thorough and demonstrate follow through in monitoring employee performance. Thorough understanding of ERB process and ability to coach staff in quality results-oriented sales interviews. Employee performance reviews are thorough, accurate and submitted by due date. Receives favorable reports from support departments (Consumer, Operations, EFT, HR etc.) for own performance and performance of staff. Has minimal exceptions to and favorable comments on monthly Financial Center Control Checklists, semi-annual audits, and internal audit reviews. Demonstrates excellent customer service/sales skills both in person and on telephone as evidenced by management observation and properly completed sales/service systems. Is actively involved in the community and finds ways to leverage those relationships into networking opportunities that result in new business as evidenced by sales reports. Ensures staff attends all mandatory training within timeline specified and additional training classes within reasonable timelines. Sets the standard for staff on professionalism, customer service, teamwork, attendance, and punctuality as evidenced by management observation. Requirements: Physical Demands: TalkingAbility to express or exchange ideas by means of the spoken word. HearingAbility to receive detailed information through oral communication. SeeingAbility to view a computer screen for an extended period of time and/or identify individuals visually. StandingAbility to stand on feet for long periods of time. WalkingAbility to use feet and legs to move from one place to another specifically in narrow/confined spaces. Finger dexterityAbility to work with fingers for handling coins or other small objects and use a keyboard. ReachingAbility to extend hand/arms in any direction to move/handle objects. LiftingAbility to lift and/or move up to 25 pounds. Knowledge, Skills and Abilities: Associates Degree in related field or equivalent business experience required. Minimum 18 months combination banking and sales experience required, to include retail banking and consumer lending, 6 months with Liberty, preferred. Ability to utilize sales techniques to expand banking relationships and a strong knowledge of bank operations/products and compliance regulations required. Demonstrates leadership/decision-making skills and the ability to motivate/lead staff is required. Strong communication skills and the ability to communicate with all types of individuals provide superior customer service and work well with others is required. Professional manner and a well-groomed business-like appearance required. Flexibility to participate in civic/community activities and work a flexible schedule based on financial center need is required. Computer skills and the ability to utilize industry-related software are required. PM19 An Equal Employment Opportunity Employer/Minorities/Females/Veterans/Disabilities PId423e436d4d4-7778
We inspire purpose-filled living that brings beauty and quality to the modern home. Together, we achieve. Associates across our business drive results, innovate, and inspire. Drawn together by our shared values and passion for our customers and our brands, we deliver home furnishings that are expertly designed, responsibly sourced, and bring timeless style and function to people's homes. From the day we opened our first store in Chicago in 1962 to the digital innovations that engage millions of customers today, our iconic brand is over 60 years in the making-and our story is still unfolding. We're here for it. We think you should be too . We're looking for a driven professional with an inclusive mindset to join our team as a Senior Architect, Payments. The Senior Architect, Payments will lead the design and evolution of our enterprise payment systems architecture. This role is critical to driving our payment technology strategy, ensuring scalability, security, and compliance while delivering exceptional customer experiences. The successful candidate will architect solutions that handle payment processing, support multiple payment methods, and integrate with various financial institutions and payment networks. This position is fully remote This role is an Individual Contributor A day in the life as a Senior Architect, Payments Lead architectural decisions and architect solutions for payment processing platforms, including real-time transaction processing, settlement, and intelligent routing Define and implement microservices architecture patterns for payment systems with focus on scalability, resilience, and performance Evaluate and recommend payment technology vendors, platforms, and third-party integrations Architect secure payment solutions, including fraud detection, tokenization, and encryption Develop architecture for multi-channel payment acceptance (online, mobile, in-store, call center, API) Design real-time payment monitoring, alerting, and reporting capabilities Design APIs and integration patterns for payment service providers, banks, and internal enterprise financial systems Mentor development teams on payment domain knowledge and architectural principles Collaborate with product managers, business analysts, and stakeholders on payment features Work with DevOps teams on CI/CD pipelines and deployment strategies for payment systems What you'll bring to the table Deep understanding of the payment ecosystem, including major payment networks (Visa, Mastercard, etc.), acquirers, processors, and regulatory bodies Expertise in various payment methods (cards, digital wallets, BNPL, etc.) and the platforms (Adyen, PayPal, Klarna, etc.) that support them Deep understanding of payment industry standards (ISO 8583, ISO 20022, EMV, PCI DSS) Experience with cloud platforms (AWS, Azure, GCP) and payment-specific services Proficiency in microservices architecture, event-driven systems, and API design Knowledge of programming languages: .NET, python or similar enterprise languages Experience with databases: SQL, NoSQL, and distributed data systems Understanding of DevOps practices, containerization (Docker, Kubernetes), and CI/CD Experience with payment security and operational strategies, including fraud detection, tokenization, 3DS authentication, and transaction strategies (authorization, capture, refund Familiarity with emerging payment regulations Understanding of settlement, reconciliation, disputes, chargebacks and financial reporting requirements We'd love to hear from you if you have Bachelor's degree in Computer Science, Software Engineering, or related field 8+ years of software development experience with 5+ years in payment systems 3+ years in senior architecture or technical leadership roles Proven experience with high-volume, mission-critical payment processing systems Minimum Starting Rate: $126,000.00 AnnuallyUp to: $160,000.00 AnnuallyPay ranges will be adjusted upward as needed to comply with applicable state and local law. In addition to your salary, based on your role, associates may be eligible for other compensation including bonuses, sales incentives, and long term incentives.
12/03/2025
Full time
We inspire purpose-filled living that brings beauty and quality to the modern home. Together, we achieve. Associates across our business drive results, innovate, and inspire. Drawn together by our shared values and passion for our customers and our brands, we deliver home furnishings that are expertly designed, responsibly sourced, and bring timeless style and function to people's homes. From the day we opened our first store in Chicago in 1962 to the digital innovations that engage millions of customers today, our iconic brand is over 60 years in the making-and our story is still unfolding. We're here for it. We think you should be too . We're looking for a driven professional with an inclusive mindset to join our team as a Senior Architect, Payments. The Senior Architect, Payments will lead the design and evolution of our enterprise payment systems architecture. This role is critical to driving our payment technology strategy, ensuring scalability, security, and compliance while delivering exceptional customer experiences. The successful candidate will architect solutions that handle payment processing, support multiple payment methods, and integrate with various financial institutions and payment networks. This position is fully remote This role is an Individual Contributor A day in the life as a Senior Architect, Payments Lead architectural decisions and architect solutions for payment processing platforms, including real-time transaction processing, settlement, and intelligent routing Define and implement microservices architecture patterns for payment systems with focus on scalability, resilience, and performance Evaluate and recommend payment technology vendors, platforms, and third-party integrations Architect secure payment solutions, including fraud detection, tokenization, and encryption Develop architecture for multi-channel payment acceptance (online, mobile, in-store, call center, API) Design real-time payment monitoring, alerting, and reporting capabilities Design APIs and integration patterns for payment service providers, banks, and internal enterprise financial systems Mentor development teams on payment domain knowledge and architectural principles Collaborate with product managers, business analysts, and stakeholders on payment features Work with DevOps teams on CI/CD pipelines and deployment strategies for payment systems What you'll bring to the table Deep understanding of the payment ecosystem, including major payment networks (Visa, Mastercard, etc.), acquirers, processors, and regulatory bodies Expertise in various payment methods (cards, digital wallets, BNPL, etc.) and the platforms (Adyen, PayPal, Klarna, etc.) that support them Deep understanding of payment industry standards (ISO 8583, ISO 20022, EMV, PCI DSS) Experience with cloud platforms (AWS, Azure, GCP) and payment-specific services Proficiency in microservices architecture, event-driven systems, and API design Knowledge of programming languages: .NET, python or similar enterprise languages Experience with databases: SQL, NoSQL, and distributed data systems Understanding of DevOps practices, containerization (Docker, Kubernetes), and CI/CD Experience with payment security and operational strategies, including fraud detection, tokenization, 3DS authentication, and transaction strategies (authorization, capture, refund Familiarity with emerging payment regulations Understanding of settlement, reconciliation, disputes, chargebacks and financial reporting requirements We'd love to hear from you if you have Bachelor's degree in Computer Science, Software Engineering, or related field 8+ years of software development experience with 5+ years in payment systems 3+ years in senior architecture or technical leadership roles Proven experience with high-volume, mission-critical payment processing systems Minimum Starting Rate: $126,000.00 AnnuallyUp to: $160,000.00 AnnuallyPay ranges will be adjusted upward as needed to comply with applicable state and local law. In addition to your salary, based on your role, associates may be eligible for other compensation including bonuses, sales incentives, and long term incentives.
We inspire purpose-filled living that brings beauty and quality to the modern home. Together, we achieve. Associates across our business drive results, innovate, and inspire. Drawn together by our shared values and passion for our customers and our brands, we deliver home furnishings that are expertly designed, responsibly sourced, and bring timeless style and function to people's homes. From the day we opened our first store in Chicago in 1962 to the digital innovations that engage millions of customers today, our iconic brand is over 60 years in the making-and our story is still unfolding. We're here for it. We think you should be too . We're looking for a driven professional with an inclusive mindset to join our team as a Sr Manager, Development - Payments We are seeking an experienced Senior Manager to lead the design and evolution of our enterprise payments team and systems. This role is critical to driving our payment technology strategy, ensuring scalability, security, and compliance while delivering exceptional customer experiences. The successful candidate will design and manage solutions that handle payment processing, support multiple payment methods, and integrate with various financial institutions and payment networks. This position is fully remote This role is a People leader position A day in the life as a Sr Manager, Development - Payments Design, manage team and execute enterprise-level digital and retail payment system supporting card payments, digital wallets, remote payments, buy now pay later and emerging payment methods Lead design decisions for payment processing platforms, including real-time transaction processing, settlement systems, and reconciliation frameworks Establish technical standards and best practices for payment system development Evaluate and recommend payment technology vendors, platforms, and third-party integrations Develop fraud detection and prevention systems integrated with payment flows and multi-channel payment acceptance (online, mobile, in-store, call center, API) Create technical specifications for payment routing, switching, and optimization systems Develop real-time payment monitoring, alerting, and reporting capabilities Ensure payment systems meet PCI DSS and other relevant regulatory requirements Develop tokenization, encryption, and secure key management solutions Implement security-by-design principles across all payment touchpoints and collaborate with security teams on vulnerability assessments and penetration testing Develop APIs and integration patterns for payment service providers, acquiring banks, and card networks Develop solutions for payment orchestration and intelligent routing Define standards for payment data formats, messaging protocols, and communication interfaces Develop integration patterns for enterprise financial systems, accounting platforms, and business applications Mentor development teams on payment domain knowledge and career goals Lead technical design reviews and governance processes Collaborate with product managers, business analysts, and stakeholders on payment features Work with DevOps teams on CI/CD pipelines and deployment strategies for payment systems What you'll bring to the table Understanding of payment ecosystem: acquirers, processors, schemes, and regulatory bodies and knowledge of fraud detection algorithms and risk management systems Experience with payment tokenization, 3DS authentication, Authorization strategy, capture strategy, refund strategy and security protocols Understanding of settlement, reconciliation, disputes, chargebacks and financial reporting requirements Excellent communication skills with ability to explain complex technical concepts Leadership experience in building and managing payment team to support cross-functional teams Experience working in agile development environments We'd love to hear from you if you have Bachelor's degree in Computer Science, Software Engineering, or related field 8+ years of software development, payment systems and people management Expertise in payment networks (Visa, Mastercard, AMEX, Discover etc.,) and processing flows Expertise in payment platforms (Adyen, Synchrony, TNS, ACI, Cybersource, Imprint, Braintree, Paypal, Affirm, Klarna, Venmo ) Strong knowledge of payment methods: cards, remote payments, real-time payments, digital wallets, buy now pay later Deep understanding of payment industry standards (ISO 8583, ISO 20022, EMV, PCI DSS) Experience with cloud platforms (AWS, Azure, GCP) and payment-specific services Proficiency in microservices architecture, event-driven systems, and API design Knowledge of programming languages: .NET, python or similar enterprise languages Experience with databases: SQL, NoSQL, and distributed data systems Understanding of DevOps practices, containerization (Docker, Kubernetes), and CI/CD Minimum Starting Rate: $132,000.00 AnnuallyUp to: $165,000.00 AnnuallyPay ranges will be adjusted upward as needed to comply with applicable state and local law. In addition to your salary, based on your role, associates may be eligible for other compensation including bonuses, sales incentives, and long term incentives.
12/03/2025
Full time
We inspire purpose-filled living that brings beauty and quality to the modern home. Together, we achieve. Associates across our business drive results, innovate, and inspire. Drawn together by our shared values and passion for our customers and our brands, we deliver home furnishings that are expertly designed, responsibly sourced, and bring timeless style and function to people's homes. From the day we opened our first store in Chicago in 1962 to the digital innovations that engage millions of customers today, our iconic brand is over 60 years in the making-and our story is still unfolding. We're here for it. We think you should be too . We're looking for a driven professional with an inclusive mindset to join our team as a Sr Manager, Development - Payments We are seeking an experienced Senior Manager to lead the design and evolution of our enterprise payments team and systems. This role is critical to driving our payment technology strategy, ensuring scalability, security, and compliance while delivering exceptional customer experiences. The successful candidate will design and manage solutions that handle payment processing, support multiple payment methods, and integrate with various financial institutions and payment networks. This position is fully remote This role is a People leader position A day in the life as a Sr Manager, Development - Payments Design, manage team and execute enterprise-level digital and retail payment system supporting card payments, digital wallets, remote payments, buy now pay later and emerging payment methods Lead design decisions for payment processing platforms, including real-time transaction processing, settlement systems, and reconciliation frameworks Establish technical standards and best practices for payment system development Evaluate and recommend payment technology vendors, platforms, and third-party integrations Develop fraud detection and prevention systems integrated with payment flows and multi-channel payment acceptance (online, mobile, in-store, call center, API) Create technical specifications for payment routing, switching, and optimization systems Develop real-time payment monitoring, alerting, and reporting capabilities Ensure payment systems meet PCI DSS and other relevant regulatory requirements Develop tokenization, encryption, and secure key management solutions Implement security-by-design principles across all payment touchpoints and collaborate with security teams on vulnerability assessments and penetration testing Develop APIs and integration patterns for payment service providers, acquiring banks, and card networks Develop solutions for payment orchestration and intelligent routing Define standards for payment data formats, messaging protocols, and communication interfaces Develop integration patterns for enterprise financial systems, accounting platforms, and business applications Mentor development teams on payment domain knowledge and career goals Lead technical design reviews and governance processes Collaborate with product managers, business analysts, and stakeholders on payment features Work with DevOps teams on CI/CD pipelines and deployment strategies for payment systems What you'll bring to the table Understanding of payment ecosystem: acquirers, processors, schemes, and regulatory bodies and knowledge of fraud detection algorithms and risk management systems Experience with payment tokenization, 3DS authentication, Authorization strategy, capture strategy, refund strategy and security protocols Understanding of settlement, reconciliation, disputes, chargebacks and financial reporting requirements Excellent communication skills with ability to explain complex technical concepts Leadership experience in building and managing payment team to support cross-functional teams Experience working in agile development environments We'd love to hear from you if you have Bachelor's degree in Computer Science, Software Engineering, or related field 8+ years of software development, payment systems and people management Expertise in payment networks (Visa, Mastercard, AMEX, Discover etc.,) and processing flows Expertise in payment platforms (Adyen, Synchrony, TNS, ACI, Cybersource, Imprint, Braintree, Paypal, Affirm, Klarna, Venmo ) Strong knowledge of payment methods: cards, remote payments, real-time payments, digital wallets, buy now pay later Deep understanding of payment industry standards (ISO 8583, ISO 20022, EMV, PCI DSS) Experience with cloud platforms (AWS, Azure, GCP) and payment-specific services Proficiency in microservices architecture, event-driven systems, and API design Knowledge of programming languages: .NET, python or similar enterprise languages Experience with databases: SQL, NoSQL, and distributed data systems Understanding of DevOps practices, containerization (Docker, Kubernetes), and CI/CD Minimum Starting Rate: $132,000.00 AnnuallyUp to: $165,000.00 AnnuallyPay ranges will be adjusted upward as needed to comply with applicable state and local law. In addition to your salary, based on your role, associates may be eligible for other compensation including bonuses, sales incentives, and long term incentives.
Description: TrustBank is seeking a highly motivated individual to join our growing team. This is an entry level position. The Associate Credit Analyst will be mentored by the AVP, Senior Credit Risk Manager and/or other experienced Credit Analysts on how to properly evaluate the financial strength and creditworthiness of an applicant across various industries. Job Description Job Title: Associate Credit Analyst Department: Risk Management Reports To : AVP, Senior Credit Risk Manager FLSA Status: Non-Exempt Type of Position: Full-Time Job Summary The Associate Credit Analyst is responsible for assessing the creditworthiness of applicants across a variety of loan types, including commercial, real estate, agricultural, and consumer. This role involves analyzing financial statements, tax returns, and cash flow to identify repayment capacity, financial trends, and peer performance year over year. The analyst will prepare detailed credit presentations that highlight the strengths, weaknesses, and risks of each loan relationship, provide collateral evaluations and loan-to-value calculations, and recommend appropriate risk ratings. While collaborating with loan officers throughout the underwriting process, the Associate Credit Analyst must maintain independence in analysis, identify potential credit issues, and ensure compliance with internal policies and regulatory requirements. Primary Duties and Responsibilities 1. Analyze the overall credit quality and risk of applicants by reviewing financial statements, tax returns, credit reports, collateral values, and other relevant information including independent online research. 2. Prepare accurate financial spreads, ratio analyses, and cash flow models using spreadsheet and word processing tools. 3. Develop comprehensive credit presentations that include repayment capacity of the borrowers and guarantors, collateral descriptions, loan-to value calculations, and a clear summary of strengths, weaknesses, and risks. 4. Collaborate and communicate clearly with loan officers to assess client needs, loan structure, and pricing. Communicate directly with clients, as needed. 5. Ensure credit analysis and presentations reflect adherence to internal credit policies, loan administration procedures, and regulatory requirements. 6. Document policy or documentation exceptions, as well as prior-to-close conditions. 7. Assign and recommend credit risk ratings in accordance with Loan Policy guidelines. 8. Participate as a non-voting member of the Loan Committee meetings, exercising sound judgement and maintaining constructive communication. 9. Determine whether requests for information should be furnished or refused based on confidentiality, requiring strong judgment and quick decision-making. 10. Recognize irregular or suspicious transactions and take appropriate steps to prevent loss. Help ensure compliance with BSA/AML/OFAC regulations. 11. Assist with annual loan reviews and portfolio monitoring as requested, including providing support to the Auditor during internal and external audits. 12. Additional responsibilities as needed to support departmental and organizational goals. Traits/Characteristics of a Successful Associate Credit Analyst • Strong attention to detail and accuracy. • Basic understanding of financial statements - balance sheets, income statements, and cash flow statements, with a willingness to deepen knowledge through training and experience. • Critical thinking, exercise sound judgment, and learn to form independent perspectives with guidance. • Adaptability to changing workloads • Comfortable managing multiple tasks and shifting priorities in a dynamic environment. • Eagerness to learn risk assessment principles • Shows interest in understanding credit risk and how it impacts decision-making. • Self-motivated and proactive and takes initiative in learning and contributing to team goals. • Inquisitive and curious with a desire to understand why. • Professionalism and integrity and can demonstrate respect in all interactions, including challenging conversations. Working Conditions and Essential Functions The position is Monday through Friday, typically from 8 AM - 5 PM and is a minimum of forty hours a week, but longer hours may be needed to meet the demands of the job. There is a well-lit office environment, and the noise level is usually moderate. The duties of the job may require the employee to stand, walk, use hands, and feel objects, tools, or controls, reach with hands, arms, and talk, or hear. Ability to lift 25 pounds. Vision abilities include close vision, distance vision, peripheral vision, depth perception and the ability to focus. Ability to travel via air, rail, automobile and or/bus (if position requires travel). Compensation and Benefits Total compensation for this position is $21.50 per hour to $31.25 per hour. TrustBank provides a generous benefits offering, with details on our bank's website: TrustBank Core Values Embrace and promote the TrustBank Culture and Core Values in all aspects of your duties. Strictly manage and protect sensitive information to which you are entrusted. Disclosures TrustBank recognizes that people are our bank's strength, and we place a high value on diversity and inclusion. We do not discriminate based on any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs. The best talent will acquire the position. Equal Opportunity Employer/Disability/Veterans. This job description may be subject to change and is not intended to be all-inclusive. The employee may perform other related duties to meet the ongoing needs of the organization. Updated: November 3, 2025 Requirements: Education and/or Experience Bachelor's degree (B. S.) from a four-year college or university with a focus on finance, accounting, or economics. Related experience in a banking environment and/or the agriculture industry is preferred. Required Skills and Abilities 1. Ability to self-review and identify errors in written presentations, analysis, and reporting. 2. Proficient in Microsoft Word and Excel with the ability to adapt Excel formats, data validations, formulas, conditional formatting, pivot tables, and financial modeling and analysis. 3. Excellent report writing, grammar, and verbal communication skills. 4. Ability to produce clear, professional credit presentations. 5. Organizational and time management skills, including the ability to manage multiple priorities and deadlines. 6. Willingness to learn loan policy, lending regulations, and overall bank procedures. 7. Capacity to develop a solid understanding of the banks core processing system to assemble data and generate reports. Compensation details: 21.5-31.25 Hourly Wage PI4a561efa5-
12/02/2025
Full time
Description: TrustBank is seeking a highly motivated individual to join our growing team. This is an entry level position. The Associate Credit Analyst will be mentored by the AVP, Senior Credit Risk Manager and/or other experienced Credit Analysts on how to properly evaluate the financial strength and creditworthiness of an applicant across various industries. Job Description Job Title: Associate Credit Analyst Department: Risk Management Reports To : AVP, Senior Credit Risk Manager FLSA Status: Non-Exempt Type of Position: Full-Time Job Summary The Associate Credit Analyst is responsible for assessing the creditworthiness of applicants across a variety of loan types, including commercial, real estate, agricultural, and consumer. This role involves analyzing financial statements, tax returns, and cash flow to identify repayment capacity, financial trends, and peer performance year over year. The analyst will prepare detailed credit presentations that highlight the strengths, weaknesses, and risks of each loan relationship, provide collateral evaluations and loan-to-value calculations, and recommend appropriate risk ratings. While collaborating with loan officers throughout the underwriting process, the Associate Credit Analyst must maintain independence in analysis, identify potential credit issues, and ensure compliance with internal policies and regulatory requirements. Primary Duties and Responsibilities 1. Analyze the overall credit quality and risk of applicants by reviewing financial statements, tax returns, credit reports, collateral values, and other relevant information including independent online research. 2. Prepare accurate financial spreads, ratio analyses, and cash flow models using spreadsheet and word processing tools. 3. Develop comprehensive credit presentations that include repayment capacity of the borrowers and guarantors, collateral descriptions, loan-to value calculations, and a clear summary of strengths, weaknesses, and risks. 4. Collaborate and communicate clearly with loan officers to assess client needs, loan structure, and pricing. Communicate directly with clients, as needed. 5. Ensure credit analysis and presentations reflect adherence to internal credit policies, loan administration procedures, and regulatory requirements. 6. Document policy or documentation exceptions, as well as prior-to-close conditions. 7. Assign and recommend credit risk ratings in accordance with Loan Policy guidelines. 8. Participate as a non-voting member of the Loan Committee meetings, exercising sound judgement and maintaining constructive communication. 9. Determine whether requests for information should be furnished or refused based on confidentiality, requiring strong judgment and quick decision-making. 10. Recognize irregular or suspicious transactions and take appropriate steps to prevent loss. Help ensure compliance with BSA/AML/OFAC regulations. 11. Assist with annual loan reviews and portfolio monitoring as requested, including providing support to the Auditor during internal and external audits. 12. Additional responsibilities as needed to support departmental and organizational goals. Traits/Characteristics of a Successful Associate Credit Analyst • Strong attention to detail and accuracy. • Basic understanding of financial statements - balance sheets, income statements, and cash flow statements, with a willingness to deepen knowledge through training and experience. • Critical thinking, exercise sound judgment, and learn to form independent perspectives with guidance. • Adaptability to changing workloads • Comfortable managing multiple tasks and shifting priorities in a dynamic environment. • Eagerness to learn risk assessment principles • Shows interest in understanding credit risk and how it impacts decision-making. • Self-motivated and proactive and takes initiative in learning and contributing to team goals. • Inquisitive and curious with a desire to understand why. • Professionalism and integrity and can demonstrate respect in all interactions, including challenging conversations. Working Conditions and Essential Functions The position is Monday through Friday, typically from 8 AM - 5 PM and is a minimum of forty hours a week, but longer hours may be needed to meet the demands of the job. There is a well-lit office environment, and the noise level is usually moderate. The duties of the job may require the employee to stand, walk, use hands, and feel objects, tools, or controls, reach with hands, arms, and talk, or hear. Ability to lift 25 pounds. Vision abilities include close vision, distance vision, peripheral vision, depth perception and the ability to focus. Ability to travel via air, rail, automobile and or/bus (if position requires travel). Compensation and Benefits Total compensation for this position is $21.50 per hour to $31.25 per hour. TrustBank provides a generous benefits offering, with details on our bank's website: TrustBank Core Values Embrace and promote the TrustBank Culture and Core Values in all aspects of your duties. Strictly manage and protect sensitive information to which you are entrusted. Disclosures TrustBank recognizes that people are our bank's strength, and we place a high value on diversity and inclusion. We do not discriminate based on any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs. The best talent will acquire the position. Equal Opportunity Employer/Disability/Veterans. This job description may be subject to change and is not intended to be all-inclusive. The employee may perform other related duties to meet the ongoing needs of the organization. Updated: November 3, 2025 Requirements: Education and/or Experience Bachelor's degree (B. S.) from a four-year college or university with a focus on finance, accounting, or economics. Related experience in a banking environment and/or the agriculture industry is preferred. Required Skills and Abilities 1. Ability to self-review and identify errors in written presentations, analysis, and reporting. 2. Proficient in Microsoft Word and Excel with the ability to adapt Excel formats, data validations, formulas, conditional formatting, pivot tables, and financial modeling and analysis. 3. Excellent report writing, grammar, and verbal communication skills. 4. Ability to produce clear, professional credit presentations. 5. Organizational and time management skills, including the ability to manage multiple priorities and deadlines. 6. Willingness to learn loan policy, lending regulations, and overall bank procedures. 7. Capacity to develop a solid understanding of the banks core processing system to assemble data and generate reports. Compensation details: 21.5-31.25 Hourly Wage PI4a561efa5-
