Position Summary: The Commercial Credit Analyst will play a crucial role in supporting lenders by underwriting credit extension requests for both new and existing commercial clients. This position involves performing detailed financial analyses for all lending opportunities, preparing credit approval and modification requests for presentation to the Loan Committee, conducting annual credit reviews, and ensuring compliance with the bank's credit policies and procedures.
Primary Responsibilities:
- Financial Analysis: Conduct thorough analyses of financial statements and agency reports for prospective and active borrowing accounts. Prepare and defend comprehensive written reports evaluating the short- and long-term financial prospects of individuals or companies.
- Loan Recommendations: Provide well-documented recommendations to Loan Officers regarding the approval or denial of loans. Prepare detailed loan submissions to support these recommendations.
- Trend Identification: Identify and interpret trends in financial data, including key financial ratios such as cash flow to debt service and debt-to-equity ratios.
- Documentation: Ensure meticulous documentation of all financial analyses through spreadsheets and written credit offering memorandums.
- Loan Grading: Suggest appropriate loan grades based on thorough credit analysis and documentation review.
- Reporting: Provide assigned reports in a timely and accurate manner.
Qualifications:
- Minimum of 3 years of experience as a Credit Analyst in a banking environment.
- Strong analytical skills with the ability to interpret complex financial data.
- Excellent written and verbal communication skills.
- Proficiency in financial analysis software and spreadsheet applications.
- Detail-oriented with strong organizational skills.
- Ability to work independently and as part of a team.
Why Join Us?
- Be part of a dynamic team at the forefront of SBA/USDA lending.
- Work in a collaborative, innovative environment with ample opportunities for professional growth.
- Competitive salary and comprehensive benefits package.
How to Apply
- To be considered for this exciting opportunity, please apply by submitting your resume highlighting the required qualifications and experience.
- For more information or to discuss this opportunity further, contact Steven Jackson at 601-914-5122 or email steven.jackson@gopgpac.com.
All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.
GPAC (Growing People and Companies) is an award-winning search firm specializing in placing quality professionals within multiple industries across the United States since 1990. We are extremely competitive, client-focused and realize that our value is in our ability to deliver the right solutions at the right time.
