What are the responsibilities and job description for the Experienced Credit Analyst position at First South Farm Credit?
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
Required Skills / Abilities
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 :
