Credit Analyst

Great Southern Bank; Charlotte (NC); Presencial; USD 55.000 - 75.000; Jornada completa

Descripción de la vacante

Great Southern Bank is seeking a success-driven Commercial Banking Credit Analyst in Charlotte, NC. The role supports Market Managers and Relationship Managers by preparing memorandums and loan approval summaries, researching financial data, and presenting to loan committees.

The position requires 1–2 years of relevant credit analysis experience or recent graduation with a finance-related degree, and may include a training track that relocates to Missouri before transitioning to Charlotte.

Formación

• Bachelor's degree in Business, Accounting, Economics, Finance or related field or four years equivalent relevant work experience.
• 1-2 years of additional relevant work experience and/or training as a Commercial Credit Analyst or recent successful completion of the bank's lending trainee program.
• Proficiency with desktop tools including Excel and Word; basic PowerPoint skills.

Responsabilidades

• Prepare memorandums and loan approval summaries for prospective and renewing loans.
• Analyze financial statements, industry trends, and credit facilities with relevant stakeholders.
• Attend loan committee meetings and assist with data presentations.
• Assist with department goals including past due loans and financials of borrowers.
• Prepare reports for Market Manager, Relationship Managers, and senior management.
• Maintain clear communication with clients and collect necessary financial data.

Conocimientos

Financial analysis

Communication

Credit review

Educación

Bachelor's degree in Business/Finance

4-year degree or equivalent experience

Herramientas

Excel

PowerPoint

Descripción del empleo

Great Southern Bank is currently seeking a success-driven Commercial Banking Credit Analyst.

To qualify for this position, a candidate should currently or recently:

• Have experience as a Commercial Credit Analyst for a bank.
• Or recently graduated with a 4-year degree in finance or comparable field and be interested in a career in Commercial Banking. Recent graduates may be required to complete a three- month training program that requires relocation to Missouri during the program, followed by a Credit Analyst role in Charlotte, North Carolina, upon successful completion of the program.

This position is a permanent position in Charlotte, North Carolina, and is not remote.

General Description

The Credit Analyst I is responsible for assisting the Market Manager and Relationship Managers with preparing memorandums and loan approval summaries for prospective and renewing loans. This includes, but is not limited to, researching and analyzing financial information and preparing miscellaneous reports. Attends and prepares presentation of data for loan committee meetings.

Essential Duties and Responsibilities

1. 1. Prepares memorandums and loan approval summaries for prospective and renewing loans in an accurate, logical, and timely manner. This duty is performed about 25% of the time.
2. 2. Researches and analyzes financial statement data, evaluates industry trends, and consults with loan officers, accounting firms, and customers, as needed, to ensure comprehensive technical review of proposed and existing credit facilities. This duty is performed about 20% of the time.
3. 3. Accompanies Relationship Managers on prospective and existing customer calls to discuss borrowing needs. Must effectively communicate with prospects and customers to procure financial data, assist with loan payment collections, and serve as a liaison with clients. This duty is performed about 10% of the time.
4. 4. Attends loan committee meetings and is prepared to assist Relationship Managers with presentations of data. This duty is performed about 10% of the time.
5. 5. Assists with department goals assigned by the Market Manager including past due loans, technical exceptions, late renewals, and past due borrower financials. This duty is performed about 25% of the time.
6. 6. Prepares reports as requested by the Market Manager, Relationships Managers, and other members of senior management. This duty is performed about 10% of the time.
7. 7. Maintains regular and reliable attendance, punctuality and personal appearance. Reads, writes, and communicates in a clear and efficient manner via various types of correspondence, such as, in person, phone, email, letters, etc. Adheres to all company policies and procedures, as well as all applicable banking rules, regulations, and laws (including BSA/AML).
8. 8. Performs any other related duties as required or assigned.

Education and Experience Requirements

• * High school diploma or GED
• * Bachelor’s degree in Business, Accounting, Economics, Finance or related field or four years equivalent relevant work experience
• * 1-2 years of additional relevant work experience and/or training as a Commercial Credit Analyst or recent successful completion of the Great Southern Bank lending trainee program.
• * Regular use of desktop/laptop computer, basic operating systems, and specialized software systems.
• * Intermediate experience with alphanumeric data entry, Excel, and Word Processing; basic experience with PowerPoint
• * Ability to calculate figures and amounts such as discounts, interest, commissions, and percentages and apply concepts such as fractions and ratios.

Compensation as posted based on experience with potential for additional quarterly incentive as a Credit Analyst.