Credit Analyst

The Credit Administration department oversees the loan portfolio to ensure compliance with regulatory requirements, internal policies, and sound credit practices. It supports the lending team by assisting in credit underwriting, documenting loan recommendations, and ensuring loans are properly structured and approved in a timely manner.

As a Credit Analyst, you will support the commercial lending process by performing financial analysis and assisting in the preparation of credit presentations for new and existing commercial relationships. This role is suited for an analyst with a working knowledge of financial spreads and a strong foundational understanding of credit principles.

This position is available for remote work within the state of Georgia. The candidate must be able to come into the office as needed.

RESPONSIBILITIES (INCLUDING BUT NOT LIMITED TO)

• Analyze financial statements, tax returns, and other financial documents to assess the creditworthiness of prospective and existing commercial borrowers.
• Prepare financial spreads and cash flow summaries using internal tools and software; interpret results to identify trends, repayment capacity, and potential risks.
• Assist in the preparation of written credit memoranda, incorporating both quantitative and qualitative, for presentation to Credit Administration staff and Senior Management.
• Collaborate with Relationship Managers to gather necessary borrower information and provide analytical support in structuring credit facilities.
• Contribute to periodic reviews of existing commercial credit relationships by analyzing updated financial information and identifying any early warning signs.
• Other duties assigned to support the Credit Administration process.

EXPERIENCE | QUALIFICATIONS

MINIMUM YEARS OF EXPERIENCE

• Bachelor’s Degree or equivalent education
• 3 years of experience as a Credit Analyst

MINIMUM QUALIFICATIONS

* Understanding of financial statement analysis