Credit Analyst: Lending & Risk Analytics

Bank-of-South-Carolin; Charleston (SC); On-site; USD 65,000 - 80,000; Full time

Job summary

Bank of South Carolina in Charleston, SC is seeking a Credit Analyst to provide comprehensive credit analysis and underwriting support for commercial, real estate, and consumer lending.

The role involves evaluating financial information, preparing credit memorandums, and working with Business Development Officers to make sound lending decisions. Team collaboration with Loan Operations and other departments ensures adherence to lending policies and risk-management standards.

Qualifications

• Previous experience in commercial banking or credit analysis.
• Strong understanding of financial statements and accounting principles.
• Ability to analyze complex financial information and identify credit risks.
• Strong written and verbal communication skills.
• Excellent attention to detail and organizational skills.
• Proficiency with Microsoft Office, especially Excel.

Responsibilities

• Analyze financial statements, tax returns, credit reports, debt schedules, and other financial information to evaluate a borrower’s financial condition and creditworthiness.
• Perform detailed analysis of historical and projected financial performance, including revenue, profitability, liquidity, leverage, cash flow, and debt service coverage.
• Calculate and interpret financial ratios, debt service coverage ratios, loan-to-value ratios, global cash flow, guarantor support, and other applicable credit metrics.
• Analyze repayment sources and identify primary and secondary sources of repayment.
• Review and evaluate collateral information, lien position, guarantor support, and other credit risk considerations.
• Assist with new loan requests, renewals, modifications, annual reviews, and other credit requests.
• Assist with portfolio monitoring, credit risk identification, and other ongoing credit administration activities.
• Assist with examinations, audits, internal reviews, and other regulatory or risk-management requests, as needed.
• Maintain knowledge of applicable lending regulations, Bank policies, procedures, and credit standards.
• Perform other duties and special projects as assigned.

Skills

Credit analysis

Financial analysis

Underwriting

Excel

Communication

Attention to detail

Tools

Microsoft Office

Job description

Bank of South Carolina in Charleston, SC is seeking a Credit Analyst to provide comprehensive credit analysis and underwriting support for commercial, real estate, and consumer lending.

The role involves evaluating financial information, preparing credit memorandums, and working with Business Development Officers to make sound lending decisions. Team collaboration with Loan Operations and other departments ensures adherence to lending policies and risk-management standards.