Credit Analysis Lead - Data-Driven Risk & Strategy

Guaranty Bank & Trust Company; Oxford (MS); On-site; USD 85,000 - 120,000; Full time

Job summary

Guaranty Bank & Trust Company is seeking a Credit Analysis Manager to lead the credit analyst team and oversee end-to-end analysis of the loan portfolio. You will gather data from multiple systems and produce high-quality reports to support timely management decisions.

You will train analysts, collaborate with portfolio managers and credit approvals, and help strengthen the credit analysis process while ensuring policy and regulatory compliance.

Qualifications

• Bachelor’s degree in accounting, finance, business, or related field.
• Master’s degree in a relevant field (e.g., MBA, Accounting) or CPA. Equivalent experience may be considered.
• 5 years of experience in related field.
• 10 years of experience in related area.

Responsibilities

• Supervise the credit analyst team, including managing workflow, assigning tasks, and providing ongoing training and development for analysts and management trainees.
• Oversee and, as needed, perform the spreading of financial statements and tax returns in accordance with safe and sound accounting practices using approved financial spreading software.
• Review analysts’ work product to ensure financial analysis is thorough, accurate, timely, and compliant with bank policy and regulatory guidance.
• Conduct and oversee comprehensive credit analysis for existing and prospective customers and portfolios, including gathering, analyzing, and interpreting financial and credit information.
• Analyze financial statements and tax returns, including balance sheets, income statements, cash flow, and key components, and calculate relevant financial ratios.

Skills

Team leadership

Financial analysis

Advanced financial modeling

Attention to detail

Cross-functional collaboration

Communication skills

Data mining

Education

Bachelor’s degree in accounting, finance, business, or related field

Master’s degree (MBA or Accounting) or CPA preferred

5+ years of experience in related field

10 years of experience in related area

Tools

Excel

Job description

Guaranty Bank & Trust Company is seeking a Credit Analysis Manager to lead the credit analyst team and oversee end-to-end analysis of the loan portfolio. You will gather data from multiple systems and produce high-quality reports to support timely management decisions.

You will train analysts, collaborate with portfolio managers and credit approvals, and help strengthen the credit analysis process while ensuring policy and regulatory compliance.