Credit Analyst

Pinnacle-Bank; Frisco Quarters (AL); In loco; USD 65.000 - 90.000; Tempo pieno

Descrizione del lavoro

Pinnacle-Bank is seeking a Credit Analyst to manage and maintain credit files for commercial borrowers, compiling financial statements and projections to support risk assessments. You will evaluate facilities, monitor covenants, and contribute to monthly loan reporting.

The role requires strong analytical skills, advanced Excel, and excellent client service. This position emphasizes accuracy, policy adherence, and collaboration with lenders.

Competenze

• Bachelor’s degree in business, finance, accounting, or related field, or 2 years credit analyst experience.
• Strong knowledge of risk management and credit mitigants.
• Proficient in financial statement analysis and projections.
• Excellent communication and client service skills.
• Strong organizational abilities and written communication.

Mansioni

• Maintain credit files for commercial & other borrowers per bank policy.
• Compile financial statements and tax returns for borrowers; prepare cash flow projections and charts.
• Evaluate clients and facilities via financial analysis, borrowing bases, covenants, risk assessment.
• Research industry/market data for financial projections.
• Set up and maintain Line addenda with current credit information on borrowers/guarantors.
• Prepare monthly and quarterly loan reports for the Senior Lender.
• Prepare audit reports of upload processes and for auditors/examiners.

Conoscenze

Risk management

Credit analysis

Financial modeling

Client service

Organization

Communication

Relationship building

Excel

Formazione

Bachelor's degree in business, finance, accounting, or related discipline

Strumenti

Microsoft Office

Descrizione del lavoro

Description

Primary Roles and Responsibilities:

• Responsible for the creation and maintenance of credit files on commercial & other borrowers according to bank policy and procedures.
• Responsible for compiling financial statement/tax return information for prospective and current borrowers in consistent format. Prepare reports/charts for worksheets showing cash flow and/or projections, charts of income, etc.
• Evaluate current clients and credit facilities by performing financial statement analysis, calculating adherence to borrowing bases and loan covenants, and assessing the overall risk within the client’s business, industry, customer base and geography.
• Perform research and analysis of industry and market data to complete financial projections.
• Setting up and maintaining Line addenda with current credit information on commercial, and other major borrowers and/or guarantors.
• Responsible for preparing monthly and quarterly Loan reports for the Senior Lender.
• Preparation of reports as audit of upload process and reports for auditors and examiners.

Requirements

Preferred Qualifications:

• Bachelor's Degree in Business Administration, Finance, Accounting, or Related Discipline, or Two Years’ experience in Credit Analyst work related field.

Required Knowledge, Skills, & Abilities:

• Strong understanding of risk management and credit mitigants
• Knowledge of risk ratings analysis
• Strong analytical and financial modeling ability
• Strong client service skills
• Strong organizational skills
• Strong verbal and written communication skill
• Strong relationship building skills
• Proficiency using Microsoft Office software products including advanced Excel