Credit Analyst

Commercial Banking Company•Valdosta, GA

1d•Onsite

About The Position

This is a support role to the lending/credit function of the bank. It is a very analytical position, requiring review of both personal and corporate financial statements, credit reports, appraisals, tax returns, market information, real estate & lien filings, online searches and internal reports for the investigation and analysis of credit risks.

Requirements

Bachelor's degree in business related field (Accounting or Finance).
Experience in commercial credit analysis, commercial credit underwriting, and/or commercial lending may be substituted for formal education.
Knowledge of banking procedures and regulations.
Self-motivated.
Punctual and reliable.
Maintains a neat, well-groomed professional appearance.
Demonstrates strong interpersonal skills, communicates effectively, and has the ability to work successfully in a team environment.
Good working knowledge of Microsoft Word, Excel, and Outlook. Good technical skills.
Good organizational skills & analytical skills.
Excellent written and oral communication skills.
Ability to learn and multitask efficiently.
Possesses an attitude of cooperation and a continual motivation to learn.
Background check
Credit check
Drug screen

Responsibilities

Analysis of new and renewal loan requests, including assessment of loan purpose, pricing, collateral, business financial statements, projections (if necessary), personal financial statements, satisfactory repayment structure and stability, strengths, and weaknesses.
Proficiently develops narrative credit memos that document financial underwriting supporting the underlying credit.
Reviews existing loan relationships, including assessments found in new analysis, plus documentation review.
Present and collaborate with loan officers to help the bank arrive at good credit decisions.
Recommend loan grades and/or questions to help arrive at a grade recommendation, on both analysis of new relationships and reviews of existing relationships.
Compose memorandums to update loan files.
Provides advice and assistance to loan officers as needed, which may include meeting with customers and the construction of commitment letters.
Assist with collection efforts (repossessions, foreclosures, bankruptcies, etc).
Perform annual loan reviews as assigned by management to update credit files with the most current financial analysis.
Assist loan officers with the periodic preparation of reports such as quarterly substandard loan reviews.
Collect and analyze economic data from the region in preparation of loan loss reserves reporting.
Communicate with auditors, examiners, and loan review consultants to help provide information and resolve any documentation exceptions.
Assist with the monitoring of the total loan portfolio through report preparation and maintenance.
Develop thorough understanding of the CBC Bank Loan Policy.