Careers at Waldo State Bank

Education: Bachelor's degree in Accounting or related field

Experience: 2-3 years of related experience; or equivalent combination of education and experience

Spread and make informative analysis of financial statements, to include historical analysis and financial forecasting

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 Loan Committee meetings and/or Board of Directors

Work closely with Loan Officers to ensure that through underwriting and evaluation of business, the credit requests are compliant with the bank's credit policies and lending regulations

Assist in ongoing maintenance of all credit files, including scanning/filing of credit information appropriately in customer files

Through the preparation of annual review presentation, ongoing monitoring of existing credit accounts, identifying any emerging risks of larger commitments

Assist with ongoing collection of updated financials

Occasionally accompany Loan Officer with customer meetings to gather information and provide recommendations on loan structure and payment plans that would be beneficial to both the customer and the bank

Perform all other duties as assigned - the company reserves the right to all or change duties at any time

Exhibit excellent interpersonal and communication skills, providing an environment of open and authentic communication

Adhere to all standards, serving as an example to other team members, as well as to our customers

Represent and promote the bank within the community through participation in bank sponsored events, philanthropic opportunities, and civic events