Junior Mid-Market Credit Analyst

Fayette Chamber of Commerce; Atlanta (GA); On-site; USD 55,000 - 85,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

Disability insurance

401k plan

Vacation time

Sick days

Paid holidays

Pension plan

Restricted stock units (RSUs)

Job summary

Truist Financial Corporation in the United States seeks a Middle Market Credit Delivery Analyst to help underwrite and manage portfolios in a fast-paced banking setting. You will perform detailed financial analyses, assess risks, and prepare memoranda to support credit decisions. Under supervision, you will track covenant tests, support reporting, and build core underwriting skills while aligning with credit policy and client management.

Qualifications

• Bachelor’s degree or equivalent education/work experience.
• 0-1+ years of related financial services work experience.
• Solid analytical skills and attention to detail.
• Solid written and verbal communication skills.
• Competitive drive, high work ethic, self-starter, team-oriented.
• Strong interpersonal skills.
• High adaptability with strong organizational and time management skills.
• Solid understanding of business, finance, and accounting.
• Proficiency in Microsoft Excel and PowerPoint.

Responsibilities

• Perform detailed financial analysis of borrower financial statements, projections, cash flow, leverage, liquidity, and repayment capacity.
• Assess industry trends, business models, competitive dynamics, and key risks impacting borrower performance.
• Prepare credit memoranda presenting transaction structure, risk assessment, mitigants, and clear credit recommendations.
• Conduct periodic financial reviews, covenant testing, risk rating updates, and borrower performance assessments.
• Respond to internal and external information requests related to portfolio accounts and credit transactions.
• Produce portfolio monitoring reports, stress tests, risk dashboards, and credit exposure analyses.
• Assist with ad hoc analyses relating to portfolio trends, industry concentrations, and credit quality metrics.
• Maintain data accuracy across credit systems and reporting tools.

Skills

Financial analysis

Analytical skills

Written and verbal communication

Interpersonal skills

Time management

Adaptability

Team orientation

Understanding of finance and accountin

Education

Bachelor’s degree

Tools

Microsoft Excel

Microsoft PowerPoint

Job description

Truist Financial Corporation in the United States seeks a Middle Market Credit Delivery Analyst to help underwrite and manage portfolios in a fast-paced banking setting. You will perform detailed financial analyses, assess risks, and prepare memoranda to support credit decisions. Under supervision, you will track covenant tests, support reporting, and build core underwriting skills while aligning with credit policy and client management.