Credit Analyst

Evangeline-Bank-and-Trust-Company; Arbolada Addition (LA); On-site; USD 55,000 - 75,000; Full time

Job summary

Evangeline-Bank-and-Trust-Company in Lafayette, LA, seeks a Credit Analyst to conduct credit inquiries, analyze loan-related information, and prepare credit memos for loan officers and committees.

You will input financial data, review tax returns and financial statements, maintain credit files, and ensure compliance with bank policies and regulatory requirements while supporting lenders and customers.

Qualifications

• High school diploma or equivalent required; degree in Accounting, Finance or related field preferred.
• Knowledge of GAAP, tax returns, and financial statement analysis.
• Experience reading credit reports and performing financial analysis.
• Proficient with MS Office and bank software.
• Excellent interpersonal and communication skills; detail oriented.

Responsibilities

• Develops credit information for lending decisions on new, renewal, and extension loans.
• Investigates sources of credit and financial information, including bureaus and reports.
• Inputs tax returns and financial data to create financial spreads and trends.
• Analyzes tax returns, financial statements, and cash flows.
• Prepares summaries, presents findings, and offers opinions on creditworthiness.
• Provides credit information and references for customers or agencies as requested.
• Keeps credit files current with latest statements and reports.
• Adheres to bank policies and regulatory requirements.
• Other duties assigned by management.

Skills

Interpersonal skills

Written & verbal communication

Organizational skills

Self-motivated

GAAP knowledge

Tax returns understanding

Credit reports interpretation

Financial statement analysis

Industry analysis

MS Office proficiency

Education

High school diploma or equivalent

Accounting/Finance degree preferred

Tools

Microsoft Office

Excel

Word

Adobe

Proprietary bank software

Job description

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Credit Analyst

Loan Operations Full Time Professional Lafayette, LA, US

2 days ago Requisition ID: 1219

Job Summary:

Conducts credit inquiries and analyzes credit information relating to loans; assists in the preparation of, credit memos & reports for presentation to loan officers or Loan committees; furnishes information in relation to credit inquiries; provides support to loan officers. This position will report to the Sr. Credit Analyst and Chief Credit Officer.

Duties/Responsibilities:

• Developing credit information for use in the making of lending decisions on new, renewal, and extension loans.
• Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
• Input Tax Returns, Corporate & Personal Financial Statements, and other relevant financial data to create financial spreads and reports to develop trends and establish a customers’ repayment ability.
• Analyzes Tax Returns, financial statements, and Cash Flows.
• Prepares summary, presents findings, and occasionally offers opinions concerning creditworthiness.
• Providing credit information and references for customers, loan officers, or other agencies as requested.
• Ensures that all credit files are kept current with latest financial statements, agency reports, etc.
• Adheres to all bank policies and complies with regulatory requirements.
• Other duties related as assigned by management.

Required Skills/Abilities:

• Excellent interpersonal and customer service skills
• Excellent written and verbal communication skills
• Excellent organizational skills and attention to detail with accuracy being paramount
• Be able to work independently and be Self-Motivated and, also, be able to work with a team
• Have a Complete understanding of: Federal Tax Returns, GAAP, accounting, and be able to read both Corporate and Personal financial statements;
• Be able to read and interpret Credit Reports;
• Should be able to use relevant Industry Analysis
• Possess a Strong understanding of business entity legal structures, risk rating, and financial statement analysis
• Possess excellent computer skills and experience with Proprietary bank software.
• Proficient with Microsoft Office Suite or related software. Specifically, Word, Excel, Adobe, etc.

Education and Experience:

• High school diploma or equivalent required; degree in Accounting, Finance, and/or other Business-related College Level major is preferred.

Physical Requirements:

• Prolonged periods of using multiple computer screens and multi-tasking
• Prolonged periods of sitting and standing
• Must be able to lift 15 pounds at times.