Credit Analyst II - Ridgeland, MS

BankPlus•Ridgeland, MS

About The Position

At BankPlus, we strive to add value for our employees, customers and shareholders. We are a high-performing TEAM committed to fulfilling promises, building lasting relationships, and making dreams come true. All current employees must have a performance rating of Outstanding or High-Performing to be eligible to post for a position. General Position Scope: The Credit Analyst ensures a high level of credit quality by providing a wide range of underwriting support, including financial and credit analysis services to banking center loan officers. This position is an experienced Credit Analyst.

Requirements

Minimum of a bachelor’s degree from a nationally accredited business school (preferably AACSB) with a major in accounting or other business-related major with a minor in accounting, preferred.
Particular areas of experience required: 2-5 years Commercial loan credit analysis, financial statement spreading software, and financial statement analysis; ability to work well in a team environment, follow policies and procedures, handle multiple responsibilities, think creatively to solve fairly complex problems, and be detail-oriented, organized, and accurate.
General computer and typing experience with Microsoft Office Suite, to include Excel, Word, and Outlook.
Excellent verbal and written communication skills.
Extensive reading as needed.
Ability to make difficult decisions and handle multiple tasks.

Responsibilities

Maintain daily individual departmental work log for credit analysis requests submitted by lenders.
Evaluate quality of borrower and guarantor financial information obtained by loan officers and submitted for analysis to determine overall adequacy and accuracy of information.
Prepares “spreads” of financial statement information obtained to determine need for additional clarification and depth of analysis required.
Prepare custom spreadsheets, as needed, related to analysis of specialized borrower types and/or unique credit requests (i.e. asset-based lending, agricultural, real estate, non-profit, etc.)
Review and analyze all available financial and credit information related to borrowers/guarantors.
Promptly communicate analysis questions and/or underwriting concerns to Lenders, Senior Analyst, and/or Credit Analysis Department Manager.
Prepare written summary of analysis (credit memo as requested) to be used by lenders in making credit decisions (especially on credits that require more complex Global Cash Flow analysis, involve specialized borrower types, and/or are otherwise unique in nature).
Provide lenders with current industry information and other reports using available third-party resources, including Equifax Business Solutions, IBISWorld Reports and others.
Stay informed of current bank credit policies and procedures.
Stay informed of current practices in loan underwriting, accounting, economics, and credit analysis.
Communicate and interact in a professional manner with internal customers (i.e. Loan Officers and Lending Relationship Specialists, Compliance, Loan Review, Loan Operations, etc.) via telephone, e-mail, and/or in person.
Maintain a thorough knowledge of Bank products, services, policies, procedures and appropriate regulatory issues as related to daily job functions including but not limited to: Bank Secrecy Act; Privacy Act; Fair Lending Act; Regulation E, etc. Complete required compliance training and adheres to the Bank’s standard of conduct.
Participates in the bank’s High-Performance Rewards Connections program.
Makes referrals to the Mortgage Center and Wealth Management.
Performs other duties as assigned.