Hybrid Portfolio Credit Analyst – Growth & Analysis

Georgia Banking Company; Atlanta (GA); Hybrid; USD 45,000 - 60,000; Full time

Benefits offered by this job

Hybrid work arrangement

Job summary

Georgia Banking Company is seeking an entry-level Credit and Portfolio Management Analyst to support relationship managers with portfolio monitoring, financial analysis, and underwriting assistance. The role focuses on covenant tracking, annual reviews, and cash flow analysis within a diversified commercial portfolio.

Under guidance from experienced underwriters, you will develop credit judgment, communicate with internal partners, and contribute to timely portfolio administration.

Qualifications

• Bachelor’s degree or equivalent in accounting, finance, economics, business, or related field.

Responsibilities

• Maintain financial statement, covenant, and credit-related tracking for portfolios.
• Complete annual reviews and support portfolio reviews analyzing borrower performance, collateral, and risk trends.
• Prepare maturity extension, renewal, modification analyses with updated financial spreads and cash flow analysis.
• Review borrower financial statements, tax returns, credit reports, and supporting information.
• Assist senior underwriters and relationship managers with underwriting new credit requests.
• Prepare credit memoranda, annual review narratives, and portfolio reports.

Skills

Analytical skills

Attention to detail

Organization

Communication

Teamwork

Microsoft Excel

MS Office

Education

Bachelor’s degree in Accounting, Finance, Economics, Business

Tools

Moody’s CreditLens

Microsoft Copilot

Microsoft Excel

Job description

Georgia Banking Company is seeking an entry-level Credit and Portfolio Management Analyst to support relationship managers with portfolio monitoring, financial analysis, and underwriting assistance. The role focuses on covenant tracking, annual reviews, and cash flow analysis within a diversified commercial portfolio.

Under guidance from experienced underwriters, you will develop credit judgment, communicate with internal partners, and contribute to timely portfolio administration.