Commercial Credit Analyst — Lending Risk & Analysis

Synergy-Bank; Houma (LA); On-site; USD 60,000 - 85,000; Full time

Job summary

Synergy Bank in Houma, LA seeks a Credit Analyst to support commercial lending and credit administration, performing financial analysis, risk assessment, and loan decision support. You will analyze financial statements, tax returns, cash flow, and collateral; work with loan officers, management, and the loan committee to help local businesses secure financing while maintaining portfolio safety.

Candidates should have a Bachelor's in Finance/Accounting or equivalent experience and strong Excel

Qualifications

• Bachelor's degree in Finance, Accounting, or related field, or equivalent professional experience.
• Strong understanding of financial statements, cash flow analysis, and tax returns.
• Strong analytical, mathematical, and problem-solving skills.
• Experience in credit analysis, commercial banking, lending, accounting, auditing, financial analysis, or related financial services roles.

Responsibilities

• Perform detailed credit analysis for commercial, consumer, and business loan requests.
• Analyze financial statements, tax returns, cash flow, collateral, and credit reports to assess credit risk and repayment capacity.
• Prepare comprehensive credit analyses for loan committee and board review.
• Evaluate borrower financial performance, industry trends, and risk factors.
• Maintain accurate electronic records and financial documentation.
• Conduct on-site and off-site audits as required for monitored accounts receivable lines.
• Communicate professionally with borrowers regarding financial information and loan requirements.

Skills

Financial analysis

Credit risk assessment

Analytical thinking

Interpret financial statements

Attention to detail

Communication skills

Time management

Microsoft Excel

Team collaboration

Project management

Education

Bachelor's degree in Finance/Accounting

Tools

Banking systems

Loan administration software

Financial reporting tools

Job description

Synergy Bank in Houma, LA seeks a Credit Analyst to support commercial lending and credit administration, performing financial analysis, risk assessment, and loan decision support. You will analyze financial statements, tax returns, cash flow, and collateral; work with loan officers, management, and the loan committee to help local businesses secure financing while maintaining portfolio safety.

Candidates should have a Bachelor's in Finance/Accounting or equivalent experience and strong Excel