Oakworth Capital Bank · 15 hours ago
Private Banking Credit Analyst
Central Alabama - Birmingham, AL 35209
Full-time
Onsite
Mid Level
3+ years expOakworth Capital Bank is expanding and has an excellent opportunity for someone to join our team in Birmingham, AL! We are looking for a full-time Credit Analyst that will join the Credit Team and work in a collaborative environment to assess risk with any new or existing client & manage commercial credit risk.
BankingFinancial ServicesVenture CapitalWealth Management
Responsibilities
Underwrite business and personal loan requests, identify key issues, offer mitigants as needed, discuss with client advisors and team leaders
Assemble loan approval packages for review and be able to articulate an argument for or against
Manage ongoing credit risk in existing loans via ongoing business and personal financial analysis, construction project monitoring, industry reviews, Loan Review or Examiner suggestions
See that credit policies are adhered to or point out deviations thereon with proper notices and approvals put to file
Assist loan operations with review of loan documents such that all loans are documented within the boundaries of their previously approved terms
Ability to analyze and interpret financial statements, tax returns for corporate and individual clients
Ability to conduct cash flow analysis, global cash flow analysis, and interpret balance sheet and income statement performance ratios
Contacts banks, trade and credit associations, salespeople, and others to obtain credit information
Studies economic trends in firm's industry or branch of industry to predict probable success of new client
Evaluates results of investigations, prepares reports of findings, and suggests credit limitations to management
Maintains database of client credit histories
Provide ongoing maintenance of a loan portfolio including, but not limited to ensuring financial information is up to date, testing of financial covenants, and aiding in the risk management of the bank’s asset-based credit facilities
Assist loan operations with review of loan documents pre-closing and assist client advisors in discussions with closing attorneys
Qualification
Required
Bachelor's degree (B A.) or equivalent; and three to five years of related experience
Ability to analyze and interpret financial statements, tax returns for corporate and individual clients
Ability to conduct cash flow analysis, global cash flow analysis, and interpret balance sheet and income statement performance ratios
Contacts banks, trade and credit associations, salespeople, and others to obtain credit information
Studies economic trends in firm's industry or branch of industry to predict probable success of new client
Evaluates results of investigations, prepares reports of findings, and suggests credit limitations to management
Maintains database of client credit histories
Provide ongoing maintenance of a loan portfolio including, but not limited to ensuring financial information is up to date, testing of financial covenants, and aiding in the risk management of the bank's asset-based credit facilities
Assist loan operations with review of loan documents pre-closing and assist client advisors in discussions with closing attorneys
Ability to be flexible to be responsive to issues and problem solve
Excellent written and verbal communication – ability to professionally interact with associates and clients
Ability to thrive in a team environment and collaborate well with other Credit Analysts & Associates to meet all client needs and strategic objectives
Preferred
Financial statement spreading experience preferred
Advanced knowledge and understanding of loan products, credit policies and procedures and federal regulations are desired
Company
Oakworth Capital Bank
Oakworth Capital Bank is an investment management company focused on providing custom banking and wealth management solutions.
51-200 employees
Funding
Current Stage
Growth StageTotal Funding
$35.69M2022-08-19Debt Financing· $35M
2021-03-01Undisclosed· $0.47M
2016-01-27Undisclosed· $0.21M
Leadership Team
Scott Reed
Chief Executive Officer
Recent News
2025-11-20
Company data provided by crunchbase