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Bonvenu Bank · 10 hours ago

Credit Analyst II

Baton Rouge, Louisiana, United States

Full-time

Onsite

Mid Level

Bonvenu Bank is a financial institution seeking a Credit Analyst II to support their lending division. The role involves analyzing financial statements, preparing credit packages, and consulting with customers to assess credit risk.

BankingFinanceFinancial Services

Responsibilities

Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money

Generate financial ratios, using computer programs, to evaluate customers' financial status

Explain changes in financial conditions, and understand ratios

Prepare most credit packages independently, with Manager’s guidance on complex relationships or loan requests

Complete informative credit analysis memorandums

Consult with customers to verify financial and credit transactions

Prepare reports that include the degree of risk involved in extending credit or lending money

Complete credit analysis memorandums, including analyzing spreads, summaries of loan requests, and submit to loan committees for approval

Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations

Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans

Evaluate customer records and recommend payment plans based on earnings, liquidity, payment history, and purchase activity

Confer with credit association and other business representatives to exchange credit information

Confidently answer credit questions presented in committee

Qualification

Credit analysis experienceFinancial statement analysisMicrosoft ExcelAccounting knowledgeFinancial ratios understanding

Required

College Degree, preferably with emphasis in finance or business

Previous credit analysis experience or training

Fundamental understanding of basic accounting and financial ratios

Detailed understanding of Microsoft Excel

Company

Bonvenu Bank

Bonvenu Bank is committed to being a better place to bank. Not only in the way we do business, but also in our involvement in the community.

Founded in 1985

Bossier City, Louisiana, USA

201-500 employees

https://www.citizensnb.com/

Funding

Current Stage

Growth Stage

Leadership Team

Bill Allred

Sr. Vice President | CTO

Chris Willcox, MBA

Senior Vice President & Chief Financial Officer

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