Strategic Commercial Credit Analyst

OakworthTalent; Birmingham (AL); On-site; USD 65,000 - 80,000; Full time

Job summary

Oakworth Capital Bank in Birmingham, AL is seeking a full-time Credit Analyst to join our credit team. The analyst will assess risk on new and existing commercial loans, underwrite requests, and help structure credit packages in collaboration with client advisors and managers.

Candidates should have at least 3 years of commercial/industrial credit analysis, strong written and verbal communication, and solid knowledge of loan products, policies, and applicable regulations.

Qualifications

• Minimum of 3 years of experience analyzing commercial and industrial companies with emphasis on financial statement analysis, collateral and cash flow analysis.
• Flexibility to respond to issues and solve problems.
• Excellent written and verbal communication for professional interaction with colleagues and clients.
• Advanced knowledge of loan products, market pricing & structure trends, credit policies, procedures and federal regulations (desired).
• Ability to thrive in a team environment and collaborate with other Credit Analysts and Associates to meet client needs and strategic objectives.

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 articulate argument for or against.
• Manage ongoing credit risk in existing loans via construction project monitoring, industry reviews, loan review or examiner suggestions.
• Ensure compliance with credit policies, point out deviations, and provide proper notices and approvals to file.
• Assist loan operations in reviewing loan documents to verify all loans are documented within the previously approved terms.
• Conduct industry and market research, develop forecasts, and perform competitive landscape analysis to support decision making.

Skills

Financial statement analysis

Collateral analysis

Cash flow analysis

Team collaboration

Communication skills

Job description

Oakworth Capital Bank in Birmingham, AL is seeking a full-time Credit Analyst to join our credit team. The analyst will assess risk on new and existing commercial loans, underwrite requests, and help structure credit packages in collaboration with client advisors and managers.

Candidates should have at least 3 years of commercial/industrial credit analysis, strong written and verbal communication, and solid knowledge of loan products, policies, and applicable regulations.