Oakworth Capital Bank has an excellent opportunity for someone to join our team in Birmingham, AL ! We are looking for a full-time Credit Risk Analyst who will play a vital role in supporting our current & future clients. An ideal candidate would meet the qualifications listed below, and more importantly, be able to demonstrate that they live by Oakworth Core Values ( Golden Rule, Character, Innovative Spirit, Professionalism, Work Ethic ).

Summary:

This role will monitor the ongoing risk of existing credit relationships via ABL monitoring, annual reviews and covenant tracking, as well as various other supporting credit risk efforts.

Key Roles/Responsibilities:

• Monitor risk of Asset Based Loans via analysis of borrowing bases, A/R and A/P agings, and financial trends.
• Perform annual reviews on relationships greater than $2 million, identify key issues, and offer mitigants, as needed.
• Track and monitor financial covenant compliance.
• Monitor LTVs of loans secured by OCB IMA accounts.
• Assist with other credit-related tasks such as spreads, trade credit references, confirmations, etc.

Responsibility Details:

• Monitor the Asset Based Lending (ABL) portfolio by analyzing borrowing bases, A/R agings, A/P agings, and financial trends; identify issues/concerns; discuss with client advisors and provide mitigants and recommendations, as needed.
• Track and monitor covenants to ensure compliance with loan approval parameters.
• Request information for annual reviews, write the review memo, identify trends and key issues, and offer mitigants or recommendations as needed.
• Monitor LTVs of loans secured by OCB IMA accounts and ensure all remain within the approved limit.
• Assist with other credit related activities such as spreads, trade credit references, mortgage verifications, etc.

Qualifications and Skills:

• Bachelor’s degree or equivalent; minimum of 1-3 years of credit or accounting experience.
• Ability to manage priorities and workflow with minimal guidance.
• Excellent communication skills including verbal and written communication.
• Team-focused (collaborative, works well with others, supports team goals)
• Acute attention to detail.
• Proficiency in Microsoft Office suite is required.

Oakworth has been named the #1 Best Bank to Work For, for 6 years in a row, by American Banker Magazine. To learn more our story and what makes Oakworth unique, visit https://www.oakworth.com/.

If you are interested in this excellent opportunity, please send your resume to brooke.kline@oakworth.com.