Credit Analysis Manager

Guaranty Bank & Trust Company•Ridgeland, MS

147d

About The Position

The Credit Analysis Manager manages the credit analyst team and oversees the end-to-end credit analysis process to measure, analyze, and communicate risk exposure within the loan portfolio. The role gathers and synthesizes data from multiple systems to produce high-quality analysis and reporting that supports timely, informed management decisions. The manager oversees daily departmental operations, workflow efficiency, and work quality in accordance with bank policy and guidance. The position trains and develops analysts, ensures deliverables are accurate and timely, and collaborates across the organization to strengthen the credit analysis process. The role supervises credit analysts, manages workflow and assignments, and reviews or performs financial statement and tax return spreading using approved software. It conducts and oversees analysis for existing and prospective customers and portfolios, including financial statement analysis, ratio calculations, credit memoranda, presentations, data mining, and forecasting models. The manager also handles complex or higher-risk requests, supports process improvements, and helps ensure compliance with applicable federal banking regulations and bank policies. The position requires a bachelor’s degree in accounting, finance, business, or a related field and five years of related experience. A master’s degree or professional designation such as CPA is preferred, as is ten years of related experience. The role reports to the VP, Credit Administration and supervises Credit Analysts.

Requirements

Bachelor’s degree in accounting, finance, business, or a related field.
At least 5 years of experience in a related field.
Strong accounting knowledge, excellent Excel skills, and advanced financial modeling skills.
Ability to analyze and work effectively with large, complex data sets.
Superior problem-solving skills and a high level of attention to detail and accuracy.
Strong organization, flexibility, and ability to multitask in a fast-paced environment.
Ability to work independently and collaboratively within a team.
Strong written and verbal communication skills, including communicating effectively with lending staff and senior management.
Intermediate to advanced proficiency in Microsoft Office applications.
Creative, self-motivated, and capable of managing responsibilities with minimal supervision.
Ability to follow bank policies and procedures and perform additional duties as assigned.
Ability to meet the physical requirements of the role, with or without reasonable accommodation.

Nice To Haves

Master’s degree in a relevant field, such as an MBA or accounting.
Professional designation such as CPA.
10 years of experience in a related area.
Equivalent experience may be considered in relation to the preferred education.

Responsibilities

Supervise the credit analyst team, manage workflow, assign tasks, and provide training and development for analysts and management trainees.
Oversee and, when needed, perform financial statement and tax return spreading using approved financial spreading software and sound accounting practices.
Review analysts’ work to ensure analysis is thorough, accurate, timely, and compliant with bank policy and regulatory guidance.
Conduct and oversee credit analysis for existing and prospective customers and portfolios by gathering, analyzing, and interpreting financial and credit information.
Analyze financial statements and tax returns, including balance sheets, income statements, cash flow, and relevant financial ratios.
Prepare clear credit memoranda and financial analysis presentations to support credit approval decisions.
Perform credit analysis on complex or higher-risk requests and assist during periods of elevated volume.
Conduct data mining and analysis using multiple internal systems and external sources.
Develop, maintain, and update forecasting models and analytical tools for senior management and portfolio monitoring.
Collaborate with portfolio managers, relationship managers, credit approval authorities, management, and other cross-functional partners to deliver high-quality work.
Recommend and support process design enhancements and continuous improvement initiatives.
Stay current on financial analysis best practices through coordination with software providers and participation in workshops, seminars, and training.
Help ensure compliance with applicable federal banking regulations and bank policies.
Represent Guaranty Bank & Trust Company professionally, efficiently, and tactfully.
Develop professional relationships with management and colleagues, follow bank policies and procedures, and perform additional duties as assigned.