What are the responsibilities and job description for the Experienced Credit Analyst position at First South Farm Credit, ACA?
Summary
Only candidates with a minimum of three years’ experience in credit analysis will be considered for this role. The holder of this position will analyze mid-level to complex loan requests for branches that cover the territory of Alabama, Mississippi, and Louisiana. The analysis includes an in-depth interpretation of the applicant's financial information to determine the short and long-term viability of the loan request. The analyst will assess the overall risk to the Association by utilizing various financial ratios plus our potential collateral position to help the branch determine the best route forward on all loan requests.
Responsibilities/Duties
- Obtains and assembles credit information on loans originated by branch office loan officers.
- Processes and prepares underwriting analysis for authorized credit personnel to make credit decisions under the direction of the Credit Analysis Manager.
- Maintains and makes recommendations on loan underwriting standards and procedures.
- Studies and researches the economic lending environment and the industries financed by the Association.
- Participates in duties as assigned by Credit Analysis Manager that assist credit staff in the delivery of sound constructive credit to eligible borrowers.
- Participates in the marketing efforts of the Association to promote growth and development and to promote a positive image for the Association.
Education/Experience/Knowledge
- Bachelor’s degree in Accounting, Finance, Business, or Economics.
- Three to five years of credit analysis work experience, at minimum, is required for consideration of this position.
- Strong knowledge of computers and related software, with a focus in Excel.
- Excellent organizational and analytical skills.
- Knowledge of operations and appraisals.
Required Skills/Abilities
- Make clear and precise recommendations based upon analysis for action on loans and loan treatments.
- Strong analysis, judgment, and communication (oral and written) skills.
- Problem solving skills and ability to work in a team atmosphere.
- High level of efficiency, accuracy, and responsibility.
- Ability to handle frequent changes, delays, or unexpected events.
- Regularly exercises discretion and independent judgment.
- Self-starter and ability to be assertive and arrive at sound business decisions.
- Demonstrates initiative and can work responsibly with minimal supervision.
Applicants living within 60 miles of Cullman, Alabama are preferred. This position is eligible for a hybrid work schedule (50/50 remote and on-site). An estimated 2-4 weeks of on-site onboarding will be required upon applicant’s start.
Benefits of being part of the First South team include:
- Competitive pay
- Personal development
- Paid vacation, sick leave, and holidays
- Medical insurance
- Dental and vision care
- Flexible spending accounts
- Health savings accounts
- 401(k) with employer matching
- Disability and life insurance
- Incentive plan