Credit Analysis Manager

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Regular Full-Time GRENADA, Grenada, MS, US

13 days ago Requisition

Location: Grenada or Oxford

Department: Central Credit

Reports to: VP, Credit Administration

Positions Supervised: Credit Analysts

The Credit Analysis Manager is responsible for managing the credit analyst team and overseeing the end‑to‑end credit analysis process to accurately measure, analyze, and communicate risk exposure within the loan portfolio. This role emphasizes gathering and synthesizing data from multiple systems to produce high‑quality analysis and reporting that supports effective, timely, and informed management decisions. The Credit Analysis Manager supervises daily departmental operations, ensures workflow efficiency, and upholds work quality standards in adherence to bank policy and guidance.

Success in this position depends on the ability to train and develop analysts, ensure accuracy and timeliness of deliverables, and collaborate cross‑functionally with management and departments throughout the organization to continuously refine and strengthen the credit analysis process.

Reasonable Accommodations Statement

To accomplish this job successfully, an individual must be able to perform, with or without reasonable accommodation, each essential function satisfactorily. Reasonable accommodation can be provided to help enable qualified individuals with disabilities to perform the essential functions.

• Supervise the credit analyst team, including managing workflow, assigning tasks, and providing ongoing training and development for analysts and management trainees.
• Oversee and, as needed, perform the spreading of financial statements and tax returns in accordance with safe and sound accounting practices using approved financial spreading software.
• Review analysts’ work product to ensure financial analysis is thorough, accurate, timely, and compliant with bank policy and regulatory guidance.
• Conduct and oversee comprehensive credit analysis for existing and prospective customers and portfolios, including gathering, analyzing, and interpreting financial and credit information.
• Analyze financial statements and tax returns, including balance sheets, income statements, cash flow, and key components, and calculate relevant financial ratios (e.g., current ratio, EBITDA, debt service coverage, leverage ratios).
• Prepare clear, well‑written credit memoranda and financial analysis presentations that provide a reliable basis for credit approval decisions.
• Perform credit analysis on complex or higher‑risk requests and assist with analysis during periods of elevated volume.
• Perform extensive data mining and analysis using multiple internal systems and external sources.
• Develop, maintain, and update forecasting models and related analytical tools for senior management and portfolio monitoring.
• Collaborate with management and cross‑functional partners, including portfolio managers, relationship managers, and credit approval authorities, to deliver high‑quality final work product.
• Recommend and support process design enhancements and continuous improvement initiatives to strengthen the credit analysis function.
• Stay current on financial analysis best practices by coordinating with financial spreading software providers, attending workshops, seminars, and ongoing training opportunities. The position may be called upon for additional duties and responsibilities as may be assigned by supervisor.
• Ensure bank is in compliance with federal banking regulations including, but not limited to Bank Secrecy Act, OFAC, Community Reinvestment Act, American with Disabilities Act, Right to Financial Privacy Act, Gramm‑Leach‑Bliley Act, the Federal Reserve’s “lettered” regulations, and Education and Development Specialist roles and responsibilities relating to each act.

• Represent Guaranty…