Commercial Credit Analyst — Risk & Structuring Expert

OakworthTalent; Birmingham (AL); On-site; USD 65,000 - 90,000; Full time

Job summary

Oakworth Capital Bank in Birmingham, AL seeks a full-time Credit Analyst to evaluate and structure credit for new and existing clients. The role collaborates across departments to assess risk and support sound lending decisions.

The ideal candidate has at least 3 years in commercial credit analysis, strong financial statement and cash flow skills, and a team-focused mindset. This position emphasizes adherence to credit policies and ongoing risk management.

Qualifications

• 3+ years of analyzing commercial and industrial companies including financial statement, collateral and cash flow analysis.
• Ability to adapt to issues and problem solve.
• Excellent written and verbal communication with associates and clients.
• Advanced knowledge of loan products, pricing, structure trends, policies and federal regulations.
• Thrives in a team environment and collaborates with others to meet client needs.

Responsibilities

• Underwrite loan requests, identify issues and discuss with client advisors and leads.
• Assemble loan approval packages and articulate a position for/against.
• Monitor ongoing credit risk in existing loans through project monitoring and industry reviews.
• Ensure adherence to credit policies and document deviations with approvals.
• Assist loan operations with review of documents pre-closing and support closing discussions.

Skills

Financial statement analysis

Collateral analysis

Cash flow analysis

Analytical skills

Team collaboration

Education

Bachelor’s degree preferred

Job description

Oakworth Capital Bank in Birmingham, AL seeks a full-time Credit Analyst to evaluate and structure credit for new and existing clients. The role collaborates across departments to assess risk and support sound lending decisions.

The ideal candidate has at least 3 years in commercial credit analysis, strong financial statement and cash flow skills, and a team-focused mindset. This position emphasizes adherence to credit policies and ongoing risk management.