Credit Analyst , II, or III

Join to apply for the Credit Analyst I, II, or III role at First Guaranty Bank

Great employees are essential to maintaining the confidence our customers place in us. FGB believes that our employees are our greatest asset as demonstrated in their professionalism and dedication. We encourage open communication and strive to cultivate an environment in which our employees will contribute new ideas and innovations that will help us excel. As we grow, we want YOU to join our team to help fulfill our mission of serving the banking needs in our local communities.

Our full-time employees are eligible for amazing benefits including medical, dental, vision, and basic life/AD&D insurance, prescription drug benefits, long term disability, and salary continuance (short-term disability). In addition, they get paid holidays, paid vacation and sick leave, a tuition reimbursement program, 401k, section 125 cafeteria plan, and the opportunity to earn FGB stock grants.

The Credit Analysts are responsible for the investigation and analysis of credit risks. Works on simple, non-sensitive accounts, following guidelines established by FGB. Conducts credit investigations and analyzes routine credit information pertaining to loans; prepares, or assists in the preparation of, credit reports for presentation to financial relationship managers or committees; furnishes information in relation to credit inquiries; provides assistance to financial relationship managers as requested.

• Developing credit information for use by more experienced credit analysts, financial relationship managers, or committees in the making of lending decisions on new, renewal, and extension loans.
• Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
• Analyzes financial statements and related material.
• Prepares summary, presents facts, and occasionally offers opinions concerning creditworthiness.
• Providing credit information and references for customers, financial relationship managers, or other agencies as requested.
• Ensures that all credit files are kept current with latest financial statements, agency reports, etc.
• Contacts all available sources of information.
• Assembles all pertinent information and reports.
• Adheres to the BSA Policy and all other Bank Policies.
• Other duties and responsibilities as may be assigned by supervisor.

• Degree in business related major (i.e. accounting, finance, etc.) or equivalent work experience.
• Experience using Microsoft Word and Excel.

Responsible for the investigation and analysis of credit risks. Resolves moderately complex credit problems but may require assistance on highly sensitive accounts. Develops and analyzes all types of credit information pertaining to diverse types of loans; prepares and occasionally presents credit reports to financial relationship managers or committees; maintains control over credit standings of current accounts; furnishes information relative to credit inquiries;

provides assistance to financial relationship managers or the Credit Manager as requested.

• Developing credit information for use by more experienced credit analysts, financial relationship managers, or committees in the making of lending decisions on new, renewal, and extension loans.
• Reviews all pertinent credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
• Determines the need for more thorough investigation or additional information.
• Maintaining control over current accounts, noting payment progress, watching for any developing problems, and keeping financial relationship managers informed.
• Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
• Analyzes financial statements and related material.
• Prepares summary, presents facts, and occasionally offers opinions concerning creditworthiness.
• Providing credit information and references for customers, financial relationship managers, or other agencies as requested.
• Ensures that all credit files are kept current with latest financial statements, agency reports, etc.
• Ensures the contact of all available sources of information.
• Assembles all pertinent information and reports.
• Assisting in the training of less-experienced department personnel.
• Adheres to the BSA Policy and all other Bank Policies.
• Other duties and responsibilities as may be assigned by supervisor.

• Degree in business related major (i.e. accounting, finance, etc.) or equivalent work experience.
• MBA/CPA designation a plus.
• Minimum of 2 years (Credit Analyst II) / 5 years (Credit Analyst III) full-time work experience as a Credit Analyst or equivalent to…