Commercial Credit Risk Analyst

4 weeks ago


Ocean Springs, Mississippi, United States gpac Full time
Job Title: Commercial Credit Analyst

Job Summary:
The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial clients. They will perform detailed financial analysis for all lending opportunities, prepare credit approval and modification requests for presentation to Loan Committee by the lenders, perform annual credit reviews as needed, ensure compliance with the Bank's credit policies and procedures, ensure the timely collection and spreading of interim and annual financial statements provided by clients, and update financial information to maintain current reporting.

Key Responsibilities:
  • Analyze financial data, including financial statements and agency reports, to evaluate the short and long-term prospects of prospective and active borrowing accounts.
  • Prepare written reports and recommendations to Loan Officers on the granting or denying of loans.
  • Identify and interpret trends in financial data, including key financial ratios such as cash flow to debt service and debt-to-equity.
  • Provide thorough documentation of all financial analysis, including spreadsheets and written credit offering memorandums.
  • Suggest a loan grade after conducting a thorough credit analysis and documentation review.
  • Coordinate specific work tasks within the department to ensure the smooth and efficient flow of information.
  • Provide assigned reports and perform annual review of loan relationships.
  • Requires 2+ years of experience in a bank as a Credit Analyst and a Bachelor's degree in Finance or Economics.

Equal Employment Opportunity:
All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.

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