Senior Commercial Loan Credit Analyst

Hancock Whitney; Gulfport (MS); On-site; USD 60,000 - 90,000; Full time

Job summary

Hancock Whitney in Gulfport, MS seeks a Loan Credit Specialist to review, renew, monitor, and decision commercial loan applications across C&I and CRE in a centralized environment, applying judgmental underwriting within assigned authority. The role supports Relationship Managers and the DAC with loan decisions and conditions.

Minimum education includes a Bachelor's in accounting, finance or economics and at least 5 years of credit analysis/loan review in banking, with strong financial

Qualifications

• Bachelor's degree in accounting, finance or economics required/preferred.
• 5 years of credit analysis and/or loan review experience in banking.
• Attention to detail and excellent verbal and written communication.
• Proficiency with Microsoft Excel and Word; knowledge of deposit/loan systems preferred.

Responsibilities

• Provide loan decisions and/or credit recommendations based on underwriting criteria, including structure, collateral, rate and fees.
• Recommend terms/structures that may exceed authority when appropriate.
• Review financial statements and project cash flow to determine global cash flow and debt service.
• Communicate loan decisions clearly to Relationship Managers and DAC; support related teams.

Skills

Credit analysis

Financial statement analysis

Cash flow analysis

Risk management

Communication

Education

Bachelor's degree in accounting/finance/economics

Tools

Microsoft Office

Job description

Hancock Whitney in Gulfport, MS seeks a Loan Credit Specialist to review, renew, monitor, and decision commercial loan applications across C&I and CRE in a centralized environment, applying judgmental underwriting within assigned authority. The role supports Relationship Managers and the DAC with loan decisions and conditions.

Minimum education includes a Bachelor's in accounting, finance or economics and at least 5 years of credit analysis/loan review in banking, with strong financial