Credit Analyst

THE EVANGELINE BANK & TRUST COMPANY • Lafayette, LA

8d

About The Position

The Credit Analyst conducts credit inquiries and analyzes credit information relating to loans. The role assists with preparing credit memos and reports for presentation to loan officers or loan committees, furnishes information in response to credit inquiries, and supports loan officers. The position reports to the Sr. Credit Analyst and Chief Credit Officer.

The analyst develops credit information to support lending decisions on new, renewal, and extension loans; investigates available sources of credit and financial information; enters tax-return and financial-statement data to create financial spreads and reports; and analyzes tax returns, financial statements, and cash flows to assess repayment ability. The role also summarizes and presents findings, may offer opinions about creditworthiness, provides credit information and references as requested, maintains current credit files, and follows bank policies and regulatory requirements. Other related duties may be assigned by management.

Requirements

• Excellent interpersonal and customer service skills.
• Excellent written and verbal communication skills.
• Strong organizational skills and attention to detail, with accuracy being paramount.
• Ability to work independently, be self-motivated, and work as part of a team.
• Complete understanding of federal tax returns, GAAP, and accounting, and ability to read corporate and personal financial statements.
• Ability to read and interpret credit reports.
• Ability to use relevant industry analysis.
• Strong understanding of business entity legal structures, risk rating, and financial statement analysis.
• Excellent computer skills and experience with proprietary bank software.
• Proficiency with Microsoft Office Suite or related software, specifically Word, Excel, and Adobe.
• High school diploma or equivalent required.

Nice To Haves

• A college-level degree in Accounting, Finance, or another business-related major is preferred.

Responsibilities

• Develop credit information to support lending decisions on new, renewal, and extension loans.
• Investigate available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
• Enter tax returns, corporate and personal financial statements, and other relevant financial data to create financial spreads and reports, develop trends, and establish customers’ repayment ability.
• Analyze tax returns, financial statements, and cash flows.
• Prepare summaries, present findings, and occasionally offer opinions concerning creditworthiness.
• Provide credit information and references for customers, loan officers, or other agencies as requested.
• Keep credit files current with the latest financial statements, agency reports, and other relevant information.
• Adhere to bank policies and comply with regulatory requirements.
• Perform other related duties as assigned by management.

What This Job Offers

• Job Type: Full-time
• Education Level: High school or GED