Credit Analyst

Pinnacle Bank • Jasper, AL

1d

About The Position

The Credit Analyst creates and maintains credit files for commercial and other borrowers in accordance with bank policies and procedures. The role compiles financial statement and tax return information for prospective and current borrowers in a consistent format, and prepares worksheets, reports, and charts showing cash flow, projections, and income.

The analyst evaluates current clients and credit facilities through financial statement analysis, assessment of borrowing-base and loan-covenant compliance, and review of risk factors related to clients’ businesses, industries, customer bases, and geographies. The position also researches and analyzes industry and market data to support financial projections, maintains line addenda with current credit information, prepares monthly and quarterly loan reports for the Senior Lender, and produces reports supporting audits, examiners, and review of the upload process.

Requirements

• Strong understanding of risk management and credit mitigants.
• Knowledge of risk ratings analysis.
• Strong analytical and financial modeling ability.
• Strong client service skills.
• Strong organizational skills.
• Strong verbal and written communication skills.
• Strong relationship-building skills.
• Proficiency using Microsoft Office software, including advanced Excel.

Nice To Haves

• Bachelor’s degree in Business Administration, Finance, Accounting, or a related discipline, or two years of experience in Credit Analyst work or a related field.

Responsibilities

• Create and maintain credit files for commercial and other borrowers according to bank policies and procedures.
• Compile financial statement and tax return information for prospective and current borrowers in a consistent format.
• Prepare worksheets, reports, and charts showing cash flow, projections, and income.
• Evaluate current clients and credit facilities by analyzing financial statements, calculating compliance with borrowing bases and loan covenants, and assessing risk related to the client’s business, industry, customer base, and geography.
• Research and analyze industry and market data to complete financial projections.
• Set up and maintain line addenda with current credit information on commercial and other major borrowers and/or guarantors.
• Prepare monthly and quarterly loan reports for the Senior Lender.
• Prepare reports for audits and examiners and audit the upload process.

What This Job Offers

• Job Type: Full-time