Commercial Credit Analyst, Birmingham

Overview

Reports To: SVP Commercial Credit Manager

Location:
Grandview Main Office

FLSA:
Exempt

Essential duties and responsibilities include the following. Other duties may be assigned.

• Analyzes applicant financial status, credit, and collateral evaluation to determine feasibility of granting loans for recommendation.
• Examines, evaluates, and recommends risk rating and loan decision based on analysis
• Prepares Credit Offering Reports and Term Sheets (with Lender assistance).
• Notify loan operations when a loan has been decisioned
• Compiles executed Credit Offering Reports for submitting to loan specialist for booking.
• Collaborates with Lenders managing matured loans.
• Contributes with Lenders on Account Monitoring Plans for accounts and/or relationships.
• Conducts market or industry research when needed.

To perform the job successfully, an individual should demonstrate the following competencies:

Analytical - Synthesizes complex or diverse information;
Collects and researches data;
Uses intuition and experience to complement data.

Problem Solving - Identifies and resolves problems in a timely manner;
Gathers and analyzes information skillfully;
Develops alternative solutions;
Works well in group problem solving situations;
Uses reason even when dealing with emotional topics.

Project Management - Develops project plans;
Coordinates projects;
Communicates changes and progress;
Completes projects on time and budget.

Quality Management - Looks for ways to improve and promote quality;
Demonstrates accuracy and thoroughness.

Business Acumen - Understands business implications of decisions;
Displays orientation to profitability;
Demonstrates knowledge of market and competition;
Aligns work with strategic goals.

Strategic Thinking - Develops strategies to achieve organizational goals;
Understands organization's strengths & weaknesses;
Analyzes market and competition;
Adapts strategy to changing conditions.

Adaptability - Adapts to changes in the work environment;
Manages competing demands;
Changes approach or method to best fit the situation.

Quantity - Meets productivity standards;
Completes work in timely manner.

Education/Experience - Bachelor’s degree or equivalent combination of education and experience required. One to three years of experience in credit analysis and loan underwriting in a financial institution or equivalent experience in loan review, auditing, or financial analysis required.

Computer Skills - To perform this job successfully, an individual should have knowledge Microsoft Office products including Word and Excel.

Physical Demand - The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

While performing the duties of this job, the employee is occasionally required to stand; walk; sit; talk and/or listen.