Job Description
Job Title: Credit Analyst
Status: Full Time
Location: East Alton, IL
Salary: $50,000 - $60,000
Benefit Information: https://www.1stmidamerica.org/docs/default-source/pdfs/benefits-summary-at-a-glance-2026.pdf
About Us:
1st MidAmerica is a trusted financial institution dedicated to providing exceptional service to our members. We pride ourselves on our commitment to the communities we serve and our focus on delivering an array of financial products for each step in their financial journey. We are currently seeking motivated and member-oriented individuals to join our team as a Credit Analyst.
Job Summary:
We are seeking a Credit Analyst to analyze daily loan applications for credit worthiness and approve or decline applications per credit union and regulatory policy.
Key Responsibilities:
- Monitors loan origination system for consumer loan applications.
- Analyzes loan applications for credit worthiness per policy and procedural guidelines.
- Verifies loan application information as necessary.
- Makes loan determination per policy.
- Reviews approved loan documents to ensure completeness and adherence to underwriting policies.
- Documents loan decisions appropriately in file and loan origination system.
- Assists Training Specialist in providing training for staff.
- Offers continued assistance, guidance and counsel with credit decisions.
Qualifications:
- High school diploma or equivalent.
- Associate degree, relevant certification or license, or specialized training.
- Two to four years of current and applicable experience approving credit.
- Experience with reviewing less than prime loans.
- Understanding of collections process and indirect lending programs.
- Strong communication skills and attention to detail.
What We Offer:
- Competitive salary and benefits.
- Opportunities for career growth.
- Supportive team environment.
Schedule:
- Monday – Thursday 8:00 AM – 5:00 PM
- Friday 8:00 AM – 6:00 PM
- Saturday 8:00 AM – 12:00 PM (Rotating Saturday shifts)
- Full Time Employees have a 40-hour work week within the hours listed above.
Disclaimer: Must be able to work and travel to different credit union locations as determined by management.
1st MidAmerica is an Equal Opportunity Employer.