Credit Analysis Manager

Guaranty Bank & Trust Company•Oxford, 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 supervises daily departmental operations, ensures efficient workflows and quality standards, and adheres to bank policy and guidance. The position trains and develops analysts, ensures deliverables are accurate and timely, and collaborates across the organization to continuously improve the credit analysis process. The role is based in Grenada or Oxford and is part of Central Credit. It supervises Credit Analysts and reports to the VP, Credit Administration. The position is regular full-time and salaried.

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.
Highly organized, flexible, and able to multitask in a fast-paced environment.
Ability to work independently and collaboratively within a team.
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.
Creative, self-motivated, and capable of managing responsibilities with minimal supervision.
Ability and willingness to follow bank policies and procedures and perform additional duties as assigned.

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 by managing workflow, assigning tasks, and providing ongoing training and development for analysts and management trainees.
Oversee and, as needed, perform financial statement and tax return spreading using approved financial spreading software and safe, 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, 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 ratios such as current ratio, EBITDA, debt service coverage, and leverage ratios.
Prepare clear credit memoranda and financial analysis presentations to support credit approval decisions.
Analyze complex or higher-risk requests and assist during periods of elevated volume.
Perform 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 for the credit analysis function.
Stay current on financial analysis practices by coordinating with software providers and attending workshops, seminars, and training.
Support the bank’s compliance with applicable federal banking regulations, including BSA, OFAC, CRA, ADA, Right to Financial Privacy Act, Gramm-Leach-Bliley Act, and Federal Reserve regulations.
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.
Apply accountability, accuracy, active listening, conceptual thinking, confidentiality, community development, critical thinking, data-entry proficiency, attention to detail, ethical conduct, integrity, and respect in performing the role.