SouthState Bank · 11 hours ago
Commercial Credit Analyst I
Winter Haven, FL
Full-time
Onsite
Entry Level
5+ years expSouthState Bank is a trusted financial partner with a commitment to helping customers move forward. The Commercial Credit Analyst I position is responsible for providing analytical and loan decision support by preparing financial statement spreads and conducting cash flow analyses for commercial loan borrowers.
BankingFinanceFinancial ServicesLendingWealth Management
Responsibilities
Performs spreads of commercial, financial statements and tax returns
Performs personal cash flow analysis utilizing individual tax returns and personal financial statements
Utilizes credit-reporting services to compile reports relating to the credit history of current and potential customers
Ensures that all work prepared is timely and turned around within department guidelines and with the utmost accuracy
Researches and analyzes financial data, interprets, and prepares reports of financial position and determines if additional information is needed to properly analyze the financial condition of a borrower so that a proper decision is made regarding approval or declination of credit
Monitors the financial position of established accounts and brings irregularities to the attention of the loan officer
Successfully works with teammates to collectively assist the Commercial Credit Analyst team in stated objectives and tasks
Works to create a constructive workplace environment that expands positive culture and enhances the Bank’s core values
Undertakes special projects related to job function as determined by the Commercial Credit Analyst Team Lead or the Director of Commercial Credit Analysts
Participates in community related activities
Ensures that the Bank’s policies and procedures, code of conduct, and regulatory guidelines are strictly complied with
Provides aid to other employees by liaising with them through healthy and positive interactions
Continuously updates skills by participating in professional training and development
Seeks opportunities to improve skills through cross-training offered by the Bank
Position may require regular before/after normal business hours, or regular out-of-town travel
All other tasks, responsibilities, or duties, as directed by the Commercial Credit Analyst Team Lead or the Director of Commercial Credit Analysts
Qualification
Required
A bachelor's degree in business, finance, or accounting is recommended to have a good understanding of financial statements and to make industry evaluations
Finance/accounting related work experience of at least five years in lieu of a college degree in business, finance, and accounting
Knowledge of personal computer, Windows and Microsoft software applications is necessary
Must be able to remain seated or work standing in a confined area on a computer for a minimum of four (4) hours each workday
Must be able to constantly use hands and fingers to enter data through or on a computer or answer a phone throughout most of an eight (8) hour shift
Must be able to hear and communicate with coworkers and customers throughout the day
May need to lift to 25 pounds one to two times a day to perform job
Position may require regular before/after normal business hours, or regular out-of-town travel
Must be able to function in a professional, business office environment and act and dress appropriately for same, consistent with the Bank's grooming and dress codes
Must demonstrate excellent interpersonal skills with customers and coworkers
Must be willing to function as a team member
Must be willing to demonstrate commitment to the Bank's mission and goals
Company
SouthState Bank
The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward.
1001-5000 employees
Funding
Current Stage
Public CompanyTotal Funding
unknown2013-08-09IPO
Leadership Team
D
Dan Bockhorst
Executive Vice President Chief Credit Officer
Recent News
2025-12-16
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