Senior Credit Analyst: Risk & Cash-Flow Specialist

22nd State Banking Company.; Mobile (AL); On-site; USD 75,000 - 100,000; Full time

Job summary

22nd State Bank is seeking a Sr. Credit Analyst to maintain credit quality by preparing detailed analyses of financial data for new loans, extensions, modifications, and renewals.

The role involves reviewing lender information, assessing risks, and presenting well-supported credit memos. Ideal candidates will have a bachelor’s degree in business, accounting, or finance and 5–7 years’ experience as a commercial bank credit analyst, with strong proficiency in Microsoft Office and financial

Qualifications

• Bachelor’s degree required; Business Administration, Accounting, or Finance preferred.
• Five to seven years’ experience as a Commercial Bank Credit Analyst.
• Basic knowledge of financial statements and financial analysis.
• Strong proficiency in Microsoft Office and general computer use.

Responsibilities

• Embrace and adhere to the Bank’s core values and culture.
• Provide exceptional customer service to internal and external customers.
• Review loan requests to analyze credit information and financial statements.
• Attend joint calls with lenders to gather information for loan evaluation.
• Assess trends in financial performance to determine repayment ability and borrower strength.
• Analyze requests based on the five Cs of credit.
• Calculate cash flow and ability to repay the credit.
• Assign risk ratings in accordance with Policy.
• Assess collateral value and collectability; review conversion cycle when needed.
• Review personal financial statements and borrower/guarantor creditworthiness.
• Identify market risks and trends affecting credits and portfolios.
• Prepare and present credit memos; recommend approval/denial with reasons.
• Provide consultative solutions to loan officers and clients balancing risk.

Skills

Analytical

Problem Solving

Oral Communication

Written Communication

Teamwork

Attendance/Punctuality

Education

Bachelor’s degree in Business Administration, Accounting, or Finance

Tools

Microsoft Office

Job description

22nd State Bank is seeking a Sr. Credit Analyst to maintain credit quality by preparing detailed analyses of financial data for new loans, extensions, modifications, and renewals.

The role involves reviewing lender information, assessing risks, and presenting well-supported credit memos. Ideal candidates will have a bachelor’s degree in business, accounting, or finance and 5–7 years’ experience as a commercial bank credit analyst, with strong proficiency in Microsoft Office and financial