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JOB REQUIREMENTS: Nicolet National Bank Nicolet National Bank is an equal opportunity employer and VEVRAA Federal Contractor. M/F Disabled and Vet EEO/AA Location: GAYLORD, MI, US Job Class: Credit Admin At Nicolet National Bank, our culture is based on the principles of community banking, putting the needs of our customers at the forefront of our decision-making. Our Core Values drive everything we do, and we are committed to serving our customers with excellence. We believe that every job in our organization is critical to our success, and we are dedicated to creating a work environment where our employes feel valued, respected, and supported. With locations in Wisconsin, Michigan, Minnesota, and Florida we are proud to service our local communities and make a positive impact on the lives of our customers. At Nicolet National Bank, we believe that our people are our most valuable asset, and we are committed to investing in their growth and development. The Credit Analyst is responsible for analyzing credit information pertaining to commercial loans. The Credit Analyst prepares or assists in the preparation of credit reports for presentation to loan committee, furnishes information in relation to credit inquiries, conducts credit investigations, and provides assistance to the Commercial Lenders as requested. As a Credit Analyst, you will: * Spread and make interpretive analysis of financial statements, to include historical analysis and financial forecasting using the Baker Hill Statement Analyzer software; Analyze sources of cash flow used for repayment and identify and evaluate cash flow and ratio trends; Identify and evaluate business and industry risks, management and collateral support. * Prepare credit write-ups for presentation at credit committee meetings. Work closely with lending officers to ensure thorough underwriting and evaluation of business credit requests and ensure compliance with the bank\'s credit policy and lending regulations. * Complete real estate evaluations for loans secured by real estate. * Review commercial loans granted to ensure proper documentation is obtained, executed, and on file. * Assist with the Loan Review function to ensure appropriate credit grading, including but not limited to credit analysis and documentation review. * Assist in the preparation of monthly and quarterly loan reports for use by management and the Board of Directors. * Monitor accounts receivable and inventory loans for adequate collateral coverage; monitor borrower compliance with loan covenants and financial reporting requirements; track and report results using the bank\'s exception tracking systems. * Assist in monitoring loans for compliance with federal banking laws and regulations, regulatory guidelines, and the bank\'s lending policy; Identify non-compliance and monitor for correction of exceptions. * Conduct and develop research projects useful to the lending function. * Assist in the ongoing maintenance of all credit files, including filing of credit information and the purging of outdated information that is no longer needed in the credit files. * Uphold Nicolet\'s philosophy and policies by maintaining appropriate controls to ensure full compliance with applicable laws and regulations, thereby fulfilling legal responsibilities and enhancing the quality of services provided by Nicolet. * Understand and communicate the value of diversity within the workplace and to work successfully with ot Equal Employment Opportunity/M/F/disability/protected veteran status Apply Here: https://www.click2apply.net/a2Gb7QHbY7klPiJnYidAo8 PI259310528 ***** APPLICATION INSTRUCTIONS: Apply Online: https://www.click2apply.net/a2Gb7QHbY7klPiJnYidAo8