Credit Analysis Manager

Guaranty Bank & Trust•Oxford, MS

5d•Onsite

About The Position

The Credit Analysis Manager is responsible for managing the credit analyst team and overseeing the end-to-end credit analysis process to accurately measure, analyze, and communicate risk exposure within the loan portfolio. This role emphasizes gathering and synthesizing data from multiple systems to produce high-quality analysis and reporting that supports effective, timely, and informed management decisions. The Credit Analysis Manager supervises daily departmental operations, ensures workflow efficiency, and upholds work quality standards in adherence to bank policy and guidance. Success in this position depends on the ability to train and develop analysts, ensure accuracy and timeliness of deliverables, and collaborate cross‑functionally with management and departments throughout the organization to continuously refine and strengthen the credit analysis process.

Requirements

Bachelor’s degree in accounting, finance, business, or related field.
5 years of experience in related field.
Strong accounting knowledge with excellent Excel and advanced financial modeling skills.
Ability to analyze and work effectively with large, complex data sets.
Superior problem‑solving skills with a high level of attention to detail and accuracy.
Highly organized, flexible, and able to multitask in a fast‑paced environment.
Ability to work independently as well as collaboratively within a team environment.
Strong written and verbal communication skills, with the ability to communicate 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.
Demonstrated ability to follow all bank policies and procedures.
Willingness and ability to perform additional duties as assigned.
Accountability
Accuracy
Active Listening
Conceptual Thinking
Confidentiality
Community Development
Critical Thinking
Data entry
Detail oriented
Ethical Conduct
Integrity
Respect

Nice To Haves

Master’s degree in a relevant field (e.g., MBA, Accounting) or professional designation such as CPA.
Equivalent experience may be considered.
10 years of experience in related area

Responsibilities

Supervise the credit analyst team, including managing workflow, assigning tasks, and providing ongoing training and development for analysts and management trainees.
Oversee and, as needed, perform the spreading of financial statements and tax returns in accordance with safe and sound accounting practices using approved financial spreading software.
Review analysts’ work product to ensure financial analysis is thorough, accurate, timely, and compliant with bank policy and regulatory guidance.
Conduct and oversee comprehensive credit analysis for existing and prospective customers and portfolios, including gathering, analyzing, and interpreting financial and credit information.
Analyze financial statements and tax returns, including balance sheets, income statements, cash flow, and key components, and calculate relevant financial ratios (e.g., current ratio, EBITDA, debt service coverage, leverage ratios).
Prepare clear, well‑written credit memoranda and financial analysis presentations that provide a reliable basis for credit approval decisions.
Perform credit analysis on complex or higher‑risk requests and assist with analysis during periods of elevated volume.
Perform extensive data mining and analysis using multiple internal systems and external sources.
Develop, maintain, and update forecasting models and related analytical tools for senior management and portfolio monitoring.
Collaborate with management and cross‑functional partners, including portfolio managers, relationship managers, and credit approval authorities, to deliver high‑quality final work product.
Recommend and support process design enhancements and continuous improvement initiatives to strengthen the credit analysis function.
Stay current on financial analysis best practices by coordinating with financial spreading software providers, attending workshops, seminars, and ongoing training opportunities.
Ensure bank is in compliance with federal banking regulations including, but not limited to Bank Secrecy Act, OFAC, Community Reinvestment Act, American with Disabilities Act, Right to Financial Privacy Act, Gramm-Leach-Bliley Act, the Federal Reserve’s “lettered” regulations, and Education and Development Specialist roles and responsibilities relating to each act.
Represent Guaranty Bank & Trust Company professionally, efficiently, and tactfully.
Ensure continuing development of professional relationships with management and colleagues.
Follow all bank policies and procedures.
Perform additional duties as assigned by management.