Private Banking Credit Analyst
About The Position
Oakworth Capital Bank is expanding and has an excellent opportunity for someone to join our team in Birmingham, AL! We are looking for a full-time Credit Analyst that will join the Credit Team and work in a collaborative environment to assess risk with any new or existing client & manage commercial credit risk. We are looking for an analyst that will work well with other bank associates across all departments, is confident in their ability to think creatively and provide sound credit structure insight to client advisors and managers as well as provide support across all areas of the bank’s credit and risk departments. An ideal candidate would meet the qualifications listed below, and more importantly, be able to demonstrate that they live by Oakworth Core Values (Golden Rule, Character, Innovative Spirit, Professionalism, Work Ethic). Key Roles/Responsibilities: Underwrite business and personal loan requests, identify key issues, offer mitigants as needed, discuss with client advisors and team leaders. Assemble loan approval packages for review and be able to articulate an argument for or against. Manage ongoing credit risk in existing loans via ongoing business and personal financial analysis, construction project monitoring, industry reviews, Loan Review or Examiner suggestions. See that credit policies are adhered to or point out deviations thereon with proper notices and approvals put to file. Assist loan operations with review of loan documents such that all loans are documented within the boundaries of their previously approved terms. Responsibility Details: Ability to analyze and interpret financial statements, tax returns for corporate and individual clients. Ability to conduct cash flow analysis, global cash flow analysis, and interpret balance sheet and income statement performance ratios. Contacts banks, trade and credit associations, salespeople, and others to obtain credit information. Studies economic trends in firm's industry or branch of industry to predict probable success of new client. Evaluates results of investigations, prepares reports of findings, and suggests credit limitations to management. Maintains database of client credit histories. Provide ongoing maintenance of a loan portfolio including, but not limited to ensuring financial information is up to date, testing of financial covenants, and aiding in the risk management of the bank’s asset-based credit facilities. Assist loan operations with review of loan documents pre-closing and assist client advisors in discussions with closing attorneys.
Requirements
- Bachelor’s degree (B A.) or equivalent; and three to five years of related experience.
- Ability to be flexible to be responsive to issues and problem solve.
- Excellent written and verbal communication – ability to professionally interact with associates and clients.
- Advanced knowledge and understanding of loan products, credit policies and procedures and federal regulations are desired.
- Ability to thrive in a team environment and collaborate well with other Credit Analysts & Associates to meet all client needs and strategic objectives.
Nice To Haves
- Financial statement spreading experience preferred.
Responsibilities
- Underwrite business and personal loan requests, identify key issues, offer mitigants as needed, discuss with client advisors and team leaders.
- Assemble loan approval packages for review and be able to articulate an argument for or against.
- Manage ongoing credit risk in existing loans via ongoing business and personal financial analysis, construction project monitoring, industry reviews, Loan Review or Examiner suggestions.
- See that credit policies are adhered to or point out deviations thereon with proper notices and approvals put to file.
- Assist loan operations with review of loan documents such that all loans are documented within the boundaries of their previously approved terms.
- Ability to analyze and interpret financial statements, tax returns for corporate and individual clients.
- Ability to conduct cash flow analysis, global cash flow analysis, and interpret balance sheet and income statement performance ratios.
- Contacts banks, trade and credit associations, salespeople, and others to obtain credit information.
- Studies economic trends in firm's industry or branch of industry to predict probable success of new client.
- Evaluates results of investigations, prepares reports of findings, and suggests credit limitations to management.
- Maintains database of client credit histories.
- Provide ongoing maintenance of a loan portfolio including, but not limited to ensuring financial information is up to date, testing of financial covenants, and aiding in the risk management of the bank’s asset-based credit facilities.
- Assist loan operations with review of loan documents pre-closing and assist client advisors in discussions with closing attorneys.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
