Credit Analyst

Credit Analyst
708 Azalea Drive
Waynesboro, MS

A Credit Analyst assesses the credit worthiness of loans in adherence to policy and provides an informed opinion on the financial soundness of businesses and individuals necessary to lenders in their decision-making process. Effective credit analysis is essential to lenders, Loan Review and Collections to make the best decisions in determining and minimizing the Bank's financial risk.

IMPORTANT! Applications and resumes reflecting proper grammar, sentence structure and punctuation skills are highly preferred.
 

Qualifications - ONLY THOSE WHO MEET MINIMUM QUALIFICATIONS WILL BE CONSIDERED FOR EMPLOYMENT
* Bachelor degree in Finance, Accounting or related field and/or knowledge of lending is desired. An AA could be acceptable if supported by job experience. 
* An understanding of financial statement analysis is imperative. 
* Familiarity with Horizon would be a plus. 
* Necessary skills include organizational, the ability to prioritize, effective oral and written communication, strong writing skills for documentation and correspondence and interpersonal to relate to lenders and their support staff. 
* Attention to detail is vital. 
* Must have the ability to work independently and make decisions according to Bank policy and procedure.
* Essential skills include advanced proficiency in Word and Excel and moderate computer skills in general. 

Primary Objective - To assess the credit worthiness of loans in adherence to policy and provide an informed opinion on the financial soundness of businesses and individuals necessary to lenders in their decision-making process. ALL job duties require strict adherence to all applicable federal and state rule and regulations as well as Bank policies and procedures.

Primary Responsibilities Assist with the loan functions of Credit Administration and Loan Review; analyze customer borrowing to determine available credit relative to the Bank's lending limit; analyze and interpret basic financial statements, tax returns and other types of credit information on existing and prospective customers to determine adverse factors and trends; spread financial data into the analytical software program for in-depth analysis and peer comparisons; prepare written in-depth analysis detailing findings for use by lenders in making credit decisions and annul updates; prepare and/or serve as back-up on some monthly/quarterly reporting of the loan portfolio data for management and the Board of Directors; prepare financial analysis for vendor management. 

Secondary Responsibilities  Assist the Chief Credit Officer as needed in evaluating and calculating collateral concentrations and other loan portfolio management tasks. Other duties as assigned. 

Expectations are to perform all job duties and other responsibilities as assigned and to follow all safety rules and regulations.

Regular attendance according to the work schedule is necessary and essential. Extensive reading and use of a computer and phones is required as detailed information is received verbally, in person or by phone. Adherence to all safety and security regulations and completion of assigned job duties is required. 
 

EEO/AAP/F/M/Disabled/Veteran