Credit Analyst

SYNERGY BANK; Houma (LA); On-site; USD 55,000 - 85,000; Full time

Job summary

Synergy Bank in Houma, LA is seeking a Credit Analyst to support commercial lending and credit administration. You will analyze financial statements, tax returns, cash flow, and collateral to assess borrower creditworthiness and back lending decisions.

You will work with loan officers, management, and audit/compliance teams to ensure accurate documentation and timely credit analyses. Monday–Friday 8 AM–5 PM with professional development opportunities.

Qualifications

• Bachelor's Degree in Finance, Accounting, or a related field.
• Strong understanding of financial statements, cash flow analysis, and tax returns.
• Excellent analytical, mathematical, and problem-solving skills.

Responsibilities

• Perform detailed credit analysis for commercial and loan requests.
• Analyze financial statements, tax returns, cash flow, collateral, and credit reports.
• Prepare comprehensive credit analyses for loan committee and board review.
• Evaluate borrower financial performance, industry trends, and risk factors.
• Maintain accurate electronic records and financial documentation.
• Ensure timely completion of required reports and analyses.

Skills

Financial analysis

Credit risk assessment

Excel proficiency

Written and verbal communication

Time management

Education

Bachelor's Degree in Finance, Accounting, or related field

Tools

Banking systems

Loan administration software

Job description

Job DetailsJob Location: Main - HOUMA, LA 70360 Position Type: 40 Hours Per Week Education Level: Bachelors Degree Travel Percentage: Negligible Job Shift: Monday - Friday, 8 AM - 5 PM Position Summary

Synergy Bank is seeking a motivated Credit Analyst to support the Bank's commercial lending and credit administration functions. This position offers the opportunity to perform detailed financial analysis, evaluate credit risk, and contribute to sound lending decisions that support both our customers and the Bank's overall portfolio quality.

As a Credit Analyst, you will analyze financial statements, tax returns, cash flow, and collateral information to assess borrower creditworthiness and support commercial lending decisions. Working closely with loan officers, senior management, and the loan committee, you will play a key role in helping local businesses and individuals secure financing while maintaining the safety and soundness of the Bank's loan portfolio.

Credit Analysis & Commercial Lending Support

• Perform detailed credit analysis for commercial, consumer, and business loan requests.
• Analyze financial statements, tax returns, cash flow, collateral, and credit reports to assess credit risk and repayment capacity.
• Prepare comprehensive credit analysis accurately and timely for loan committee and board review.
• Evaluate borrower financial performance, industry trends, and risk factors.
• Work closely with loan officers, management, and compliance personnel to ensure accurate and complete credit documentation.

Financial Documentation & Reporting

• Request and review financial statements, tax returns, and supporting documentation from borrowers.
• Prepare loan renewal packages and credit reviews for existing lending relationships.
• Maintain accurate electronic records and financial documentation.
• Ensure timely completion of required reports and analyses.

Field Audits

• Conduct on-site and off-site audits as required for monitored accounts receivable lines.

Relationship Management & Communication

• Communicate professionally with borrowers regarding financial information and loan requirements.
• Build positive working relationships with lenders, customers, and internal departments.
• Provide prompt and professional telephone and email support.

Team Collaboration & Professional Development

• Collaborate with lenders, credit personnel, compliance staff, and Bank management.
• Maintain knowledge of banking products, lending practices, and regulatory requirements.
• Participate in training and professional development opportunities related to credit analysis and commercial banking.
• Support departmental goals and perform additional duties as assigned.

Qualifications & Experience

Required

• Bachelor's Degree in Finance, Accounting, or a related field, or equivalent professional experience.
• Strong understanding of financial statements, cash flow analysis, and tax returns.
• Strong analytical, mathematical, and problem-solving skills.

Preferred

• Experience in credit analysis, commercial banking, lending, accounting, auditing, financial analysis, or related financial services roles.
• Experience reviewing business financial statements and commercial loan requests.
• Familiarity with credit underwriting and loan portfolio management principles.
• Previous banking or commercial credit experience strongly preferred.

Required Knowledge, Skills & Abilities

• Strong financial analysis and credit risk assessment skills.
• Ability to interpret financial statements, tax returns, and business performance metrics.
• Strong analytical thinking and attention to detail.
• Ability to prepare clear, concise, and professional credit presentations and reports.
• Excellent written and verbal communication skills.
• Strong organizational, time-management, and project-management skills.
• Ability to manage multiple priorities and meet deadlines.
• Proficiency in Microsoft Excel, Word, and financial reporting tools.
• Experience utilizing banking systems and loan administration software preferred.
• Ability to work independently and collaboratively in a team environment.

PHYSICAL REQUIREMENTS

• Ability to work primarily at a desk using a computer and telephone
• Ability to handle paperwork
• Ability to travel for off-site audits as needed
• Ability to work in the office 40 hours per week, Monday - Friday 8 AM - 5 PM.