Credit Analyst II - Credit MIS Reporting

Coastal Community Bank•Madison, MS

About The Position

As a Credit Analyst II for Credit MIS Reporting, you will support credit risk reporting and data analysis used for management reporting (MIS). In this role, you will produce accurate, timely reports and assist with improving reporting processes for consumer and commercial credit portfolios. You will work with data from multiple third-party sources, investigate differences in reported results, and follow established methods to map data into key metrics (KRIs/KPIs). Your primary focus will be supporting reporting for CCBX’s fintech partners and the internally managed CCB portfolio, while helping maintain reliable, well-documented reporting outputs.

Requirements

Clear verbal and written communication skills, with the ability to summarize findings for different audiences.
Strong attention to detail with commitment to data accuracy, documentation, and meeting recurring deadlines.
Ability to work independently on assigned tasks while collaborating with the broader team.
Comfortable investigating inconsistent data, reconciling results across sources, and identifying root causes.
Ideal candidates enjoy solving data puzzles, tracing discrepancies to root cause, and improving repeatable processes.
Bachelor’s degree in Business Analytics, Data Science, Finance, Statistics, or a related field; OR an equivalent combination of education and relevant work experience.
2–4 years of relevant experience in data analytics, credit reporting/MIS, business intelligence, credit risk, or related fields.
Experience with recurring reporting, data validation, and metric definitions.
Strong Excel skills (PivotTables, lookups, formulas).
Working knowledge of SQL.
Experience cleaning, reconciling, and investigating data issues.
Familiarity with Microsoft 365 tools (Outlook, PowerPoint, SharePoint).

Nice To Haves

Familiarity with BI/reporting tools such as Omni, PowerBI, or Looker.
Python or R is a plus.
Exposure to credit risk metrics, controls, or regulatory reporting is a plus.
Familiarity with lending products and credit concepts in a Bank or FinTech environment preferred.

Responsibilities

Assist with preparation and validation of credit risk materials used for management, committee, and board-level reporting.
Gather and document data requirements to help map source data into Key Risk Indicators (KRIs) and Key Performance Indicators (KPIs) used in credit risk reporting.
Perform routine data cleaning and transformation to improve accuracy and consistency in MIS reporting.
Run, update, and help maintain automated reports and recurring reporting packages.
Assist with exploratory analysis to identify trends, outliers, and data issues in portfolio reporting.
Support timely completion of monthly reporting, escalating issues to the manager when appropriate.
Help reconcile and investigate discrepancies across partner, vendor, and internal data sources.
Follow team standards for documentation, version control, and quality checks to support auditability and repeatability.

Benefits

Medical Coverage: Choose from three competitive medical plans to find the coverage that best fits your needs and lifestyle.
Health Savings Account (HSA): Available with eligible medical plans, offering tax advantages and employer contributions.
Flexible Spending Accounts (FSA): Options for healthcare and dependent care expenses to help you save on out-of-pocket costs.
Dental and Vision Insurance: Plans to keep you and your family smiling and seeing clearly.
Life Insurance: Company-paid basic life insurance with options to purchase additional coverage for yourself and your dependents.
Long-Term /Short-Term Disability (LTD): Income protection in the event of a long-term illness or injury.
Supplemental Benefits: Including Hospital Indemnity, Accident Insurance, and Critical Illness coverage to provide extra financial support when you need it most.
401(k) Retirement Plan: A competitive retirement savings plan with company matching to help you plan for the future.
Paid Time Off: Generous vacation and sick leave policies to support your time away from work.
Holidays: Enjoy 11 paid holidays throughout the year.