CREDIT ANALYST

Gulf Coast Bank • Lafayette, LA

7h

About The Position

In this role, you will assist in evaluating loan applications, analyzing financial statements, and assessing credit risk for various types of loans. This is a great opportunity for recent graduates or early-career professionals looking to build a foundation in credit analysis within a community banking environment.

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or a related field (or equivalent work experience).
• Strong analytical and problem-solving skills with keen attention to detail.
• Proficiency in financial statement analysis and basic accounting principles.
• Ability to work independently and collaborate with team members in a fast-paced environment.
• Effective written and verbal communication skills.
• Proficiency in Microsoft Office Suite, particularly Excel.

Nice To Haves

• Prior internship or experience in banking, finance, or credit analysis is a plus but not required.

Responsibilities

• Analyze financial statements, tax returns, credit reports, and other relevant documents to assess borrower creditworthiness.
• Assist in underwriting mortgage, commercial, SBA, and personal loans by preparing credit memos and risk assessments.
• Work closely with loan officers and senior credit analysts to ensure loan applications comply with bank policies and regulatory requirements.
• Monitor existing loan portfolios, identifying potential risks and recommending appropriate actions.
• Conduct market and industry research to support lending decisions.
• Maintain accurate documentation and reports in compliance with bank policies and regulatory guidelines.
• Provide support for loan renewals, modifications, and portfolio management.
• Aids in preparation of SBA loan packages and reports
• Gathers credit information for preparation of commercial loan packages
• Tracks financial statements
• Handles account receivable lines of credit and performs account receivable offsite reviews
• Prepares allowance for Loan & Lease losses calculation and other reports for the Board

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level