Senior Credit Analyst — Complex Lending & Mentorship

Mississippi Land Bank; Senatobia (MS); On-site; USD 70,000 - 100,000; Full time

Job summary

Mississippi Land Bank is seeking a Senior Credit Analyst in Senatobia, MS to assist loan officers with analysis, servicing, and reporting of loan participations, mortgage and commercial loans. This role conducts in-depth credit and financial analyses on complex credits and participates in due diligence and loan servicing activities.

The candidate will evaluate financial information, determine risk and PD ratings, and support lending decisions while mentoring junior analysts and contributing to

Qualifications

• Bachelor's degree in Finance, Business Administration or related field.
• Five or more years in administration and analysis of complex credits on commercial and mortgage loans.
• Experience in structuring and evaluating complex loan participations and credit relationships.
• Ability to lead and mentor team of analysts.

Responsibilities

• Performs credit administration, financial analysis, monitoring and due diligence review.
• Analyzes balance sheets, income statements, cash flow and tax returns to assess loan package risks.
• Determines PD ratings and makes recommendations for approval or denial of loans.
• Ensures proper risk rating and status assignments for loans.
• Mentors less-senior analysts and assists in developing lending programs.
• Interprets lending policies and handles related legal/title questions.

Skills

Accounting knowledge

Finance principles

Oral and written communication

MS Office

Analytical ability

Education

Bachelor's degree in Finance, Business Administration or related field

Tools

Microsoft Office

Job description

Mississippi Land Bank is seeking a Senior Credit Analyst in Senatobia, MS to assist loan officers with analysis, servicing, and reporting of loan participations, mortgage and commercial loans. This role conducts in-depth credit and financial analyses on complex credits and participates in due diligence and loan servicing activities.

The candidate will evaluate financial information, determine risk and PD ratings, and support lending decisions while mentoring junior analysts and contributing to