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First Guaranty Bank · 2 days ago

Credit Analyst I, II, or III

Hammond, LA

Full-time

Onsite

Entry, Mid, Senior Level

2+ years exp

First Guaranty Bank is committed to maintaining customer confidence and values its employees as its greatest asset. The Credit Analyst role involves investigating and analyzing credit risks, preparing credit reports, and assisting financial relationship managers in lending decisions.

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Responsibilities

Developing credit information for use by more experienced credit analysts, financial relationship managers, or committees in the making of lending decisions on new, renewal, and extension loans

Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches

Analyzes financial statements and related material

Prepares summary, presents facts, and occasionally offers opinions concerning creditworthiness

Providing credit information and references for customers, financial relationship managers, or other agencies as requested

Ensures that all credit files are kept current with latest financial statements, agency reports, etc

Contacts all available sources of information

Assembles all pertinent information and reports

Adheres to the BSA Policy and all other Bank Policies

Other duties and responsibilities as may be assigned by supervisor

Reviews all pertinent credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches

Determines the need for more thorough investigation or additional information

Maintaining control over current accounts, noting payment progress, watching for any developing problems, and keeping financial relationship managers informed

Ensures the contact of all available sources of information

Assisting in the training of less-experienced department personnel

Qualification

Credit analysisFinancial statement analysisMicrosoft ExcelMicrosoft WordDegree in businessMBA/CPA designationCommunication skillsTeam collaboration

Required

Degree in business related major (i.e. accounting, finance, etc.) or equivalent work experience

Experience using Microsoft Word and Excel

Minimum of 2 years (Credit Analyst II) / 5 years (Credit Analyst III) full-time work experience as a Credit Analyst or equivalent to include credit analysis & underwriting experience