Sr. Credit Analyst

Home › Millennium Bank • Calhoun, GA

7d

About The Position

Millennium Bank is seeking an experienced Credit Analyst to evaluate the creditworthiness of consumer and commercial borrowers, prepare underwriting packages, and recommend loan structures that balance growth with sound risk management. The role supports lending decisions by analyzing financial information, assessing credit risk, and monitoring the commercial loan portfolio. Millennium Bank serves businesses, families, and communities across Tennessee, Florida, and Georgia through a personalized, community-focused approach to banking.

Requirements

• Bachelor’s degree in finance, accounting, or economics.
• 4–7 years of commercial credit analysis experience.
• Strong command of financial modeling, global cash flow analysis, and loan documentation.
• Clear writing, sound judgment, and ability to manage multiple deadlines.
• Proficiency in underwriting commercial real estate, C&I, or small business lending.
• Candidates must satisfy a background screening, including credit history, drug screen, and criminal records.

Nice To Haves

• MBA or CFA.
• Formal credit training.

Responsibilities

• Analyze financial statements, tax returns, cash flow, collateral, and other financial information to evaluate borrowers’ financial condition, repayment capacity, and overall creditworthiness.
• Prepare comprehensive credit memorandums covering financial analysis, risk assessments, loan structure, pricing, collateral, and covenant recommendations for loan approval.
• Evaluate new credit requests, renewals, extensions, and modifications to ensure appropriate loan structures and compliance with the Bank’s lending standards.
• Review and recommend credit risk ratings based on borrowers’ financial performance, repayment capacity, and identified risk factors.
• Monitor the commercial loan portfolio through annual reviews, financial statement analysis, covenant compliance, and identification of emerging credit weaknesses or deteriorating credit relationships.

Benefits

• Health, dental, and vision insurance.
• Company-paid life and AD&D insurance.
• Company-paid short-term and long-term disability.
• 401(k) with employer matching.
• Employee Assistance Program (EAP).
• Generous paid time off.
• Up to 11 paid holidays.

What This Job Offers

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