Junior Commercial Credit Analyst — Growth & Impact

SouthState Bank, N.A.; Winter Haven (FL); On-site; USD 43,000 - 69,000; Full time

Job summary

SouthState Bank, N.A. is seeking a Commercial Credit Analyst to support Credit Administration and Relationship Managers with financial statement spreads, cash flow analysis, and credit evaluations for borrowers and guarantors. The role involves preparing analyses, reports, and ensuring accuracy and timely delivery.

The position may include travel and outside-hours work. Candidates should have a bachelor’s degree in business, finance, or accounting or equivalent five years of finance/accounting

Qualifications

• A bachelor's degree in business, finance, or accounting is recommended to have a good understanding of financial statements and to make industry evaluations.
• Knowledge of personal computer, Windows and Microsoft software applications is necessary.

Responsibilities

• Performs spreads of commercial, financial statements and tax returns.
• Performs personal cash flow analysis utilizing individual tax returns and personal financial statements.
• Utilizes credit-reporting services to compile reports relating to the credit history of current and potential customers.
• Ensures that all work prepared is timely and turned around within department guidelines and with the utmost accuracy.
• Researches and analyzes financial data, interprets, and prepares reports of financial position and determines if additional information is needed to properly analyze the financial condition of a borrower so that a proper decision is made regarding approval or declination of credit.
• Monitors the financial position of established accounts and brings irregularities to the attention of the loan officer.
• Successfully works with teammates to collectively assist the Commercial Credit Analyst team in stated objectives and tasks.
• Works to create a constructive workplace environment that expands positive culture and enhances the Bank's core values.
• Undertakes special projects related to job function as determined by the Commercial Credit Analyst Team Lead or the Director of Commercial Credit Analysts.
• Participates in community related activities.
• Ensures that the Bank's policies and procedures, code of conduct, and regulatory guidelines are strictly complied with.
• Provides aid to other employees by liaising with them through healthy and positive interactions.
• Continuously updates skills by participating in professional training and development.
• Seeks opportunities to improve skills through cross-training offered by the Bank.
• Position may require regular before/after normal business hours, or regular out-of-town travel
• All other tasks, responsibilities, or duties, as directed by the Commercial Credit Analyst Team Lead or the Director of Commercial Credit Analysts.

Skills

Financial analysis

Credit analysis

Financial statements

Windows

Education

Bachelor's degree in business, finance, or accounting

Five years of finance/accounting experience in lieu of a degree

Tools

Microsoft Office

Job description

SouthState Bank, N.A. is seeking a Commercial Credit Analyst to support Credit Administration and Relationship Managers with financial statement spreads, cash flow analysis, and credit evaluations for borrowers and guarantors. The role involves preparing analyses, reports, and ensuring accuracy and timely delivery.

The position may include travel and outside-hours work. Candidates should have a bachelor’s degree in business, finance, or accounting or equivalent five years of finance/accounting