Private Banking Credit Analyst

OakworthTalent; Birmingham (AL); On-site; USD 65,000 - 90,000; Full time

Job summary

Oakworth Capital Bank in Birmingham, AL seeks a full-time Credit Analyst to evaluate and structure credit for new and existing clients. The role collaborates across departments to assess risk and support sound lending decisions.

The ideal candidate has at least 3 years in commercial credit analysis, strong financial statement and cash flow skills, and a team-focused mindset. This position emphasizes adherence to credit policies and ongoing risk management.

Qualifications

• 3+ years of analyzing commercial and industrial companies including financial statement, collateral and cash flow analysis.
• Ability to adapt to issues and problem solve.
• Excellent written and verbal communication with associates and clients.
• Advanced knowledge of loan products, pricing, structure trends, policies and federal regulations.
• Thrives in a team environment and collaborates with others to meet client needs.

Responsibilities

• Underwrite loan requests, identify issues and discuss with client advisors and leads.
• Assemble loan approval packages and articulate a position for/against.
• Monitor ongoing credit risk in existing loans through project monitoring and industry reviews.
• Ensure adherence to credit policies and document deviations with approvals.
• Assist loan operations with review of documents pre-closing and support closing discussions.

Skills

Financial statement analysis

Collateral analysis

Cash flow analysis

Analytical skills

Team collaboration

Education

Bachelor’s degree preferred

Job description

Job Details

Job Location: Central Alabama - Birmingham, AL 35209

Position Type: Full Time

Education Level: 4 Year Degree Preferred

Job Category: Credit/Underwriting

Oakworth Capital Bank is expanding and has an excellent opportunity for someone to join our team in Birmingham, AL! We are looking for a fulltime Credit Analyst that will join the credit team and work in a collaborative environment to assess risk with any new or existing client & manage commercial credit risk.

We are looking for an analyst that will work well with other bank associates across all departments, is confident in their ability to think creatively and provide sound credit structure insight to client advisors and managers as well as provide support across all areas of the banks credit and risk departments. An ideal candidate would meet the qualifications listed below, and more importantly, be able to demonstrate that they live by Oakworth Core Values (Golden Rule, Character, Innovative Spirit, Professionalism, Work Ethic).

Key Roles/Responsibilities:

• Underwrite loan requests, identify key issues, offer mitigants as needed, discuss with client advisors and team leads.
• Assemble loan approval packages for review and be able to articulate an argument for or against.
• Manage ongoing credit risk in existing loans via construction project monitoring, industry reviews, Loan Review or Examiner suggestions.
• See that credit policies are adhered to, or point out deviations thereon with proper notices and approvals put to file.
• Assist loan operations with review of loan documents such that all loans are documented within the boundaries of their previously approved terms.

Responsibility Details:

• Complete credit packages of existing and potential commercial clients' financial condition, adding value to the client experience through unique, but prudent loan structuring, reviewing/understanding commercial real estate appraisals and the contents therein.
• Provide ongoing maintenance of a loan portfolio including, but not limited to ensuring financial information is up to date, testing of financial covenants, and aiding in the risk management of the banks asset-based credit facilities.
• Assist loan operations with review of loan documents pre-closing and assist client advisors in discussions with closing attorneys.
• Other duties may also include conducting industry and market research, developing forecasts and conducting a competitive landscape analysis in order to aid client advisors and bank management in decision making.

Successful candidates will have:

• Minimum of three (3) years of analyzing commercial and industrial companies, including but not limited to financial statement analysis, collateral analysis and cash flow analysis
• Ability to be flexible in order to be responsive to issues and problem solve
• Excellent written and verbal communication to be able to professionally interact with associates and clients
• Advanced knowledge and understanding of loan products, market pricing & structure trends, credit policies and procedures and federal regulations are desired
• Ability to thrive in a team environment and collaborate well with other Credit Analysts & Associates to meet all client needs and strategic objectives

Qualifications