Commercial Credit Analyst

Job Listing No: 9740000

Commercial Credit Analyst

Description/Job SummaryThe Commercial Credit Analyst is primarily responsible for the independent analysis for loan requests of the association’s largest and most complex borrowers. The Commercial Credit Analyst develops and analyzes all types of credit information.  The Commercial Credit Analyst prepares complete loan packages independently for the association’s largest and most complex borrowers. He/she completes all documents, including projections; prepares analyses; and makes the appropriate recommendations.  The Commercial Credit Analyst is also responsible for preparation of larger and more complex loan packages within the Capital Markets Department.  The Commercial Credit Analyst improves professionalism associated with loan servicing, monitoring, and reporting and provides assistance to Relationship Managers in loan servicing and processing as needed.  The Commercial Credit Analyst performs timely and efficient processing of assigned loans. Responsibilities/DutiesESSENTIAL:Analyzes financial statements of all levels of quality to develop initial assessment by identifying strengths and weaknesses pertaining to a borrower’s historical operating performance.  Develops credit information for use by Relationship Managers or Committees in the making of lending decisions. Independently processes loans, line of credit, and continuations. Assigned specific loans for monitoring on a monthly or quarterly basis as necessary to monitor compliance with loan agreement covenants and financial trends.Completes Credit packages with all information included and complete for booking to the loan system.MARGINAL:Completes projects and/or research as assigned by direct supervisor or the Chief Lending Officer. Required QualificationsESSENTIAL:A minimum education of a Bachelor’s degree in Finance, Accounting, Business, or Economics.Three to five years of commercial credit analysis work experience.Strong analytical skills and general understanding of GAAP accounting.Self-starter and ability to be assertive and arrive at sound business decisions.Excellent written and oral communication skills along with sound organizational skillsAbility to work under time pressure.Proficiency in Windows, Word, Excel, and PowerPoint is desired.Marginal:Knowledge of operations and appraisals. DetailsSouthwest Georgia Farm Credit offers competitive compensation with a comprehensive benefits package which includes 401(k) with employer matching; medical, dental, and vision insurance; paid holidays, vacation and sick leave; life and disability insurance, and more.EOE, including veterans and individuals with disabilities.

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