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BankPlus · 4 weeks ago

Credit Analyst II - Ridgeland, MS

Ridgeland, MS, USA

Full-time

Onsite

Entry, Mid Level

2+ years exp

BankPlus is a high-performing TEAM committed to fulfilling promises and building lasting relationships. The Credit Analyst II is responsible for ensuring high credit quality by providing underwriting support and conducting financial and credit analysis for banking center loan officers.

BankingFinancial ServicesVenture Capital

Responsibilities

Maintain daily individual departmental work log for credit analysis requests submitted by lenders

Evaluate quality of borrower and guarantor financial information obtained by loan officers and submitted for analysis to determine overall adequacy and accuracy of information

Prepares “spreads” of financial statement information obtained to determine need for additional clarification and depth of analysis required

Prepare custom spreadsheets, as needed, related to analysis of specialized borrower types and/or unique credit requests (i.e. asset-based lending, agricultural, real estate, non-profit, etc.)

Review and analyze all available financial and credit information related to borrowers/guarantors

Promptly communicate analysis questions and/or underwriting concerns to Lenders, Senior Analyst, and/or Credit Analysis Department Manager

Prepare written summary of analysis (credit memo as requested) to be used by lenders in making credit decisions (especially on credits that require more complex Global Cash Flow analysis, involve specialized borrower types, and/or are otherwise unique in nature)

Provide lenders with current industry information and other reports using available third-party resources, including Equifax Business Solutions, IBISWorld Reports and others

Stay informed of current bank credit policies and procedures

Stay informed of current practices in loan underwriting, accounting, economics, and credit analysis

Communicate and interact in a professional manner with internal customers (i.e. Loan Officers and Lending Relationship Specialists, Compliance, Loan Review, Loan Operations, etc.) via telephone, e-mail, and/or in person

Maintain a thorough knowledge of Bank products, services, policies, procedures and appropriate regulatory issues as related to daily job functions including but not limited to: Bank Secrecy Act; Privacy Act; Fair Lending Act; Regulation E, etc. Complete required compliance training and adheres to the Bank’s standard of conduct

Participates in the bank’s High-Performance Rewards Connections program

Makes referrals to the Mortgage Center and Wealth Management

Performs other duties as assigned

Qualification

Commercial loan credit analysisFinancial statement analysisFinancial statement spreading softwareMicrosoft Office SuiteOrganizedCommunication skillsTeamworkProblem-solvingDetail-oriented

Required

2-5 years Commercial loan credit analysis, financial statement spreading software, and financial statement analysis

Ability to work well in a team environment

Follow policies and procedures

Handle multiple responsibilities

Think creatively to solve fairly complex problems

Be detail-oriented, organized, and accurate

General computer and typing experience with Microsoft Office Suite, to include Excel, Word, and Outlook

Excellent verbal and written communication skills

Extensive reading as needed

Ability to make difficult decisions and handle multiple tasks

Preferred

Minimum of a bachelor's degree from a nationally accredited business school (preferably AACSB) with a major in accounting or other business-related major with a minor in accounting, preferred