Credit Analyst

Community Bank; Biloxi (MS); On-site; USD 52,000 - 66,000; Full time

Job summary

Community Bank in Biloxi, Mississippi, is seeking a Credit Analyst to assess repayment risk by analyzing cash flow and real estate collateral values. You will review tax returns, financial statements, and appraisals to support loan decisions.

The role requires a Bachelor's in business administration (MBA preferred), a 3.0 GPA, and at least 1–2 years of relevant experience, with strong analytical skills and knowledge of banking regulations.

Qualifications

• Bachelor's degree in business administration; MBA preferred.
• GPA 3.0.
• Two years of customer service experience or one year in banking.

Responsibilities

• Analyze cash flow and real estate collateral values to assess repayment risk.
• Spread tax returns and financial statements to produce global cash flows.
• Provide analysis to lenders and support appraisal coordination and review.

Education

Bachelor's degree in business administration

MBA preferred

GPA 3.0

Job description

General Job Responsibilities

Credit analysts analyze the most common primary and secondary sources of repayment which is cash flow and real estate collateral values. To evaluate cash flow, the credit analysts spread tax returns and financial statements, produce global cash flows, and provide analysis to lender. To evaluate real estate collateral values, the credit analyst will review market data, engage appraisers, prepare in-house evaluations, provide written reviews of appraisals. Credit analysts combine the knowledge of both categories to ultimately evaluate the degree of risk involved in extending credit.. They prepare Commercial Credit Offering (CCO), provide support for the Loan Loss Reserve, and support the appraisal coordination and review functions. The Credit Analysts fully understand and adhere to all federal and state laws and the policies of the Bank and operates all applicable software programs. Credit Analyst reports to the designated Loan Quality Control/Appraisal Coordinator or designated Officer

Education And Experience

Education

Bachelor's or Graduate level (MBA) degree in business administration preferred (preferably with a concentration in accounting or finance), minimum

3.00 GPA

Experience

A minimum of two years of work experience in an area requiring customer service skills OR a minimum of one year of work experience in the banking