Josie Rinehold
Auburn,US
Summary
Number driven, detail-oriented individual aiming to leverage my unique background in agriculture and commercial credit to aid both the financial institution and the customer achieve their financial goals through sound credit analysis.
Overview
4
4
years of professional experience
Work History
CREDIT ANALYST SUPERVISOR
FARMERS STATE BANK
04.2024 - Current
- Provide accurate information and sound judgement on the credit worthiness of assigned accounts to aid Commercial Loan Officers in granting loans.
- Analyze and assign final commerical risk ratings on loan accounts.
- Manage, train, and assist the Credit Analytical department members.
- Analyze various monthly and quarterly loan reports to prepare quarterly and annual Loan Review and Asset Quality reports for Senior Management, examiners, and the Board of Directors.
- Assist with new LOS product implementation.
CREDIT ANALYST
FARMERS STATE BANK
09.2020 - 03.2024
- Provide accurate information and sound judgement on the credit worthiness of assigned accounts to aid Commercial Loan Officers in granting loans
- Analyzing and documenting financial data, along with analyzing financial statement ratios, collateral adequacy, future repayment ability, and current/potential customer's management ability
- Perform annual loan review for commercial loans after closing
- Includes assigning risk ratings for credit relationships in conformance with the Bank's grading system
- Perform loan reviews on small sample sizes of recently booked residential mortgages
- Assist in the preparation of various quarterly and annual reports for Senior Management, examiners, and the Board of Directors
TREASURER
DEKALB COUNTY FAIR ASSOCIATION, INC.
01.2022 - Current
ASSISTANT TREASURER
DEKALB COUNTY FAIR ASSOCIATION, INC.
06.2021 - 01.2022
Education
BACHELOR OF SCIENCE (B.S.) - AGRICULTURAL FINANCE
PURDUE UNIVERSITY
West Lafayette, IN05.2020
ASSOCIATE IN ARTS (A.A.) - AGRIBUSINESS
ILLINOIS CENTRAL COLLEGE
East Peoria, IL05.2018
Skills
- Financial Statement Review
- Underwriting Processes
- Risk Assessment
- Preparing Proposals
- Annual Reviews
- Microsoft Office
- Experience with Jack Henry Banking Products
- Verbal and Written Communication
Volunteer Experience
- TREASURER, DEKALB COUNTY FAIR ASSOCIATION, INC., Auburn, IN, 01/22, Present
- ASSISTANT TREASURER, DEKALB COUNTY FAIR ASSOCIATION, INC., Auburn, IN, 06/21, 01/22
Timeline
CREDIT ANALYST SUPERVISOR
FARMERS STATE BANK
04.2024 - Current
TREASURER
DEKALB COUNTY FAIR ASSOCIATION, INC.
01.2022 - Current
ASSISTANT TREASURER
DEKALB COUNTY FAIR ASSOCIATION, INC.
06.2021 - 01.2022
CREDIT ANALYST
FARMERS STATE BANK
09.2020 - 03.2024
BACHELOR OF SCIENCE (B.S.) - AGRICULTURAL FINANCE
PURDUE UNIVERSITY
ASSOCIATE IN ARTS (A.A.) - AGRIBUSINESS
ILLINOIS CENTRAL COLLEGE
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