Sr. Credit Analyst

SR. CREDIT ANALYST
MONTGOMERY, AL

The Senior Financial Analyst will manage the organization's financial planning, budgeting, and forecasting to drive profitability for the institution.

• Bachelor’s Degree in Finance, Business Administration or a related field, OR equivalent experience
• Six (6) or more years of experience in the administration and analysis of complex credits on commercial and mortgage loans including experience in structuring and evaluating complex loan participations, credit relationships, and analysis of direct loans.

• Assists Loan Officers in the analysis and servicing of the institution's mortgage and commercial loans.
• Works directly with lending staff in the development of appropriate credit decisions and prepares other reports as requested by management.
• Analyzes financial information including balance sheets, income statements, cash flow and tax returns to form an opinion of the strengths, weaknesses and risks associated with loan packages.
• Interprets, communicates, and provides guidance to Loan Officers regarding the institution's lending policies and procedures.
• Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.
• Complies with proper credit administration practices as outlined in the institution's policies and procedures.
• Assists senior-level credit analysts with complex loan applications as necessary.
• Occasional travel is required in this position.