Credit Analyst: Underwriting & Risk Insights

Tennessee Bankers Association; Nashville (TN); On-site; USD 60,000 - 85,000; Full time

Job summary

Coffee County Bank seeks a Credit Analyst to underwrite loan requests, prepare approval summaries, and partner with Business Developers to analyze financial information for sound credit decisions.

Responsibilities include cash flow analyses, credit report reviews, portfolio stress testing, and preparation of loan documentation. Bachelor's degree required; banking experience preferred, with emphasis on accuracy and regulatory compliance.

Qualifications

• Bachelor's degree required.
• Prior banking experience preferred.
• Experience with Fiserv Navigator preferred.

Responsibilities

• Analyze borrower financial information, including tax returns and financial statements, and prepare cash flow analyses to assess repayment capacity and credit risk.
• Review consumer and commercial credit reports, evaluate risk factors, investigate concerns, and communicate findings.
• Prepare loan approval requests, financial analyses, and supporting documentation for approval.
• Assist Business Developers with delinquent loan collections, workout strategies, and borrower meetings.
• Conduct loan portfolio stress testing and prepare reports on emerging risks and economic impacts.
• Monitor loan portfolio performance, identify credit risks, and recommend corrective actions.
• Maintain financial records and relationship overviews for major borrowing relationships.
• Prepare monthly loan production and departmental reports.
• Track loan approval conditions, documentation requirements, and outstanding exceptions.
• Apply and support compliance with the Bank's Loan Policy, credit standards, and regulatory requirements.
• Monitor financial performance of large borrowers and identify adverse trends or covenant violations.
• Track loan covenant compliance and reporting requirements.
• Prepare annual relationship review memorandums for significant borrowing relationships.
• Maintain standing commitment and unfunded obligation tracking.
• Monitor delinquency trends, risk grades, watch lists, and classified assets.
• Assist with management and liquidation of OREO and other bank-owned assets.
• Review construction inspections, draw requests, budgets, and funding approvals.
• Manage bankruptcy-related loan portfolios, court deadlines, and workout strategies.

Skills

MS Excel

Communication skills

Analytical thinking

Problem solving

Mathematical ability

Education

Bachelor's degree

Tools

Fiserv Navigator

Job description

Coffee County Bank seeks a Credit Analyst to underwrite loan requests, prepare approval summaries, and partner with Business Developers to analyze financial information for sound credit decisions.

Responsibilities include cash flow analyses, credit report reviews, portfolio stress testing, and preparation of loan documentation. Bachelor's degree required; banking experience preferred, with emphasis on accuracy and regulatory compliance.