Junior Credit Analyst — Path to Credit Analyst

Empire Truck Sales; Richland (MS); On-site; USD 42,000 - 64,000; Full time

Job summary

S&G Financial in Richland, MS, is seeking a motivated Junior Credit Analyst to support equipment and truck financing for Empire Truck Sales, Stribling Equipment, and our expanding client base. Under guidance, you will analyze credit data and financial statements, prepare credit analyses, and communicate decisions to remote sales representatives and customers.

This onsite role targets 0–2 years of credit experience, a related degree, and strong Excel and analytical skills, with opportunities to

Qualifications

• Bachelor's degree in Accounting, Finance, Economics, Statistics, or a related field, or an equivalent combination of education and experience.
• 0–2 years of experience in credit, lending, underwriting, banking, or related role preferred; Credit Processor or Credit Assistant experience is a plus.
• Ability to read and analyze personal and business financial statements and tax returns.
• Strong analytical and problem-solving skills.
• Excellent written and verbal communication skills.
• Ability to manage multiple priorities and meet deadlines.

Responsibilities

• Analyze clients' credit reports, financial statements, and tax returns to assess lending risk.
• Calculate and interpret financial ratios, including cash flow, debt service coverage and leverage, using internal systems and software.
• Approve or decline applications within assigned limits and prepare credit analyses and loan summaries for management approval on larger requests.
• Communicate credit decisions and conditions clearly to remote sales representatives and customers.
• Monitor accounts to ensure timely payments and identify early signs of risk.
• Collaborate with Sales and internal departments to manage credit exposure.

Skills

Analytical skills

Financial statement analysis

Cash flow analysis

Credit underwriting

Communication

Education

Bachelor's degree in Accounting/Finance/Economics

Tools

Microsoft Excel

Financial software systems

Job description

S&G Financial in Richland, MS, is seeking a motivated Junior Credit Analyst to support equipment and truck financing for Empire Truck Sales, Stribling Equipment, and our expanding client base. Under guidance, you will analyze credit data and financial statements, prepare credit analyses, and communicate decisions to remote sales representatives and customers.

This onsite role targets 0–2 years of credit experience, a related degree, and strong Excel and analytical skills, with opportunities to