Credit Analyst

Job Details

Job Location: Birmingham - Birmingham, AL

Salary Range: Undisclosed

Position Summary: The Credit Analyst serves as a support role for bank's lending decisions by gathering and analyzing financial data to assess the creditworthiness and associated risks of potential and existing borrowers. They work under the close supervision and mentorship of senior analysts/portfolio managers and loan officers, ensuring all documentation complies with bank policies and regulations. The position is the first steppingstone in the environment of commercial lending and credit risk designed to provide the experience and tools necessary to grow within the profession and to enhance analytical, presentation, critical thinking and decisioning skills.

• Proactive and facilitates teamwork
• Flexible and able to multi‑task (adjusts to change)
• Analytical skills with high attention to detail and accuracy
• Technical capacity
• Strong Written and Verbal Communication Skills
• Time Management and Organizational Skills

ABachelor’s Degree in Finance, Accounting or Business to include thorough knowledge of book and tax accounting is preferred. General understanding of the job and applies knowledge and skills to complete a wide range of tasks; prepare financial spreads and utilize them in financial analysis reporting. Ability to use, understand and apply credit policy and bank regulations to responsibilities. Exercise good judgment and discretion in the handling of confidential information.

Possesses strong quantitative and qualitative analysis skills of complex credits and commercial loan packages. Knowledgeable in a wide range of Microsoft Office software applications. Proficient with Fiserv, nCino and other bank programs.

The responsibility to acquire and maintain the required knowledge of State and Federal Banking regulations and policies. Travel to various worksites may be required.

Responsible for the timely completion of all required compliance training such has BSA, Information Security, and other job specific training as assigned.

Professional office environment. While performing the duties of this position, the team member is regularly required to operate standard office equipment. The team member is frequently required to communicate and perceive. The position is primarily stationary and not substantially exposed to adverse environmental conditions and requires sedentary work such as exerting up to 10 pounds of force 5% of the time and a negligible amount of force approximately 95% of the time.