Commercial Credit Analyst I

This is a fully remote position, open to applicants in Alabama, +6 more states.

📋 Description

• Provide analytical and loan decision support to the Credit Administration team and Relationship Managers.

• Create financial statement spreads for commercial loan clients, guarantors, and associated entities.

• Conduct spreads of financial statements and tax returns for commercial clients.

• Analyze personal cash flow using individual tax returns and personal financial documents.

• Utilize credit-reporting services to generate current and prospective customer credit history reports.

• Ensure that all tasks are performed promptly, accurately, and in accordance with departmental guidelines.

• Research and evaluate financial data, interpret results, prepare financial position reports, and identify further information necessary for borrower assessment.

• Monitor the financial status of established accounts and report any irregularities to loan officers.

• Collaborate with team members in the Commercial Credit Analyst group to achieve team goals and objectives.

• Take on special projects as assigned by Credit Analyst leadership.

• Engage in community activities.

• Adhere to bank policies, procedures, codes of conduct, and regulatory standards.

• Maintain positive and healthy interactions with other employees.

• Participate in professional training and development, as well as pursue cross-training opportunities.

• Be available for regular before/after-hours work or out-of-town travel as needed.

• Carry out additional responsibilities as assigned by leadership in the Commercial Credit Analyst team.

⛳️ Requirements

• A bachelor's degree in business, finance, or accounting is preferred.

• A minimum of five years of finance or accounting-related experience may substitute for a college degree in business, finance, or accounting.

• Proficiency in personal computers, Windows, and Microsoft software applications is required.

• Ability to remain seated or stand in a confined space while working on a computer for at least four hours each workday.

• Must consistently use hands and fingers to input data on a computer or answer phone calls throughout most of an eight-hour shift.

• Ability to hear and communicate effectively with coworkers and customers throughout the day.

• Capability to lift up to 25 pounds one to two times daily.

• Must operate in a professional office environment and adhere to grooming and dress standards.

• Excellent interpersonal skills are essential for interacting with customers and colleagues.

• Willingness to work collaboratively as part of a team is necessary.

• A commitment to the Bank's mission and objectives is required.

🏝️ Benefits

• Opportunities for professional training and development.

• Availability of cross-training programs.

• Reasonable accommodations for individuals with disabilities.

• Participation in community-related events.

• Equal Opportunity Employer, including individuals with disabilities and veterans.