Credit Analysis Manager

Guaranty Bank & Trust Company•Tupelo, MS

48d

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 position gathers and synthesizes data from multiple systems to produce high-quality analysis and reporting that supports timely, informed management decisions. It supervises daily departmental operations, manages workflow, and maintains work-quality standards in accordance with bank policy and guidance. The role also trains and develops analysts, ensures deliverables are accurate and timely, and collaborates with management and other departments to strengthen the credit analysis process. The manager oversees credit analysis for existing and prospective customers and portfolios, including financial statement and tax return spreading, analysis of financial information and ratios, preparation of credit memoranda and presentations, and analysis of complex or higher-risk requests. The role develops forecasting models and analytical tools, uses internal and external data sources, supports process improvements, and helps ensure compliance with applicable federal banking regulations. It also represents Guaranty Bank & Trust Company professionally and follows bank policies and procedures.

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 strong attention to detail and accuracy.
Strong organizational skills, flexibility, and ability to multitask in a fast-paced environment.
Ability to work independently and collaboratively.
Strong written and verbal communication skills, including the ability to communicate effectively with lending staff and senior management.
Intermediate to advanced proficiency in Microsoft Office applications.
Ability to follow bank policies and procedures and manage responsibilities with minimal supervision.

Nice To Haves

Master’s degree in a relevant field, such as an MBA or accounting, or a professional designation such as CPA; equivalent experience may be considered.
10 years of experience in a related area.

Responsibilities

Supervise the credit analyst team, manage workflow, assign tasks, and provide ongoing training and development for analysts and management trainees.
Oversee and, when needed, perform financial statement and tax return spreading using approved software and safe and sound accounting practices.
Review analysts’ work for thoroughness, accuracy, timeliness, and compliance with bank policy and regulatory guidance.
Conduct and oversee 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, and cash flow, and calculate relevant financial ratios.
Prepare clear credit memoranda and financial analysis presentations to support credit approval decisions.
Analyze complex or higher-risk credit requests and assist with analysis during periods of elevated workload.
Conduct extensive data mining and analysis using 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 for the credit analysis function.
Stay current on financial analysis best practices through coordination with software providers, workshops, seminars, and training.
Support compliance with applicable federal banking regulations, including BSA, OFAC, CRA, ADA, the Right to Financial Privacy Act, GLBA, and Federal Reserve regulations.
Represent Guaranty Bank & Trust Company professionally, efficiently, and tactfully, and develop professional relationships with management and colleagues.
Follow bank policies and procedures and perform additional duties as assigned.