Junior Credit Analyst - S&G | Jackson, MS

Empire Truck Sales•Richland, MS

8d•Onsite

About The Position

S&G Financial is seeking a motivated and analytical Junior Credit Analyst to join their team in Richland, MS. This position supports the financial operations of both Empire Truck Sales and Stribling Equipment, facilitating responsible growth across their expanding customer base. This opportunity is ideal for a finance professional with 0-2 years of credit or lending experience who is eager to build strong underwriting skills in a fast-paced, high-volume environment. The successful candidate will learn to make sound credit decisions under the guidance of experienced analysts and grow into a full Credit Analyst role. The Junior Credit Analyst is responsible for evaluating credit data and financial information for individuals and businesses applying for equipment and truck financing. Working within assigned approval limits and alongside senior analysts, this position assesses risk, determines creditworthiness, and recommends loan approvals, credit limits, and terms. This role prepares credit analyses and summaries for management review and works closely with remote sales representatives and internal departments to support customer acquisitions and ongoing account management.

Requirements

Bachelor's degree in Accounting, Finance, Economics, Statistics, or a related field, or an equivalent combination of education and experience
1–2 years of experience in credit, lending, underwriting, banking, or a related role preferred
Credit Processor or Credit Assistant experience is a plus
Ability to read and analyze personal and business financial statements and tax returns
Strong analytical and problem-solving skills
Proficiency in Microsoft Office, especially Excel, and financial software systems
Excellent written and verbal communication skills
Ability to manage multiple priorities and meet deadlines
Ability to sit for extended periods and work at a computer for most of the workday
Ability to communicate by phone and email throughout the day
Occasional lifting of up to 10 lbs (files and office supplies)
Applicants must be authorized to work in the United States.

Responsibilities

Analyze clients' credit reports, financial statements, and tax returns to assess lending risk
Calculate and interpret financial ratios, including cash flow, debt service coverage and leverage, using internal systems and software
Evaluate equipment and truck collateral relative to the amount financed
Approve or decline applications within assigned limits and prepare credit analyses and loan summaries for management approval on larger requests
Recommend appropriate payment structures, down payments, and credit terms
Communicate with credit associations and references to verify credit information
Communicate credit decisions and conditions clearly to remote sales representatives and customers
Monitor accounts to ensure timely payments and identify early signs of risk
Collaborate with Sales and internal departments to manage credit exposure
Support Credit Processors and assist senior analysts with complex or high-dollar requests