Credit Analyst in Jasper, Alabama at Pinnacle Bank

Primary Roles and Responsibilities:

• Responsible for the creation and maintenance of credit files on commercial & other borrowers according to bank policy and procedures.
• Responsible for compiling financial statement/tax return information for prospective and current borrowers in consistent format. Prepare reports/charts for worksheets showing cash flow and/or projections, charts of income, etc.
• Evaluate current clients and credit facilities by performing financial statement analysis, calculating adherence to borrowing bases and loan covenants, and assessing the overall risk within the client’s business, industry, customer base and geography.
• Perform research and analysis of industry and market data to complete financial projections.
• Setting up and maintaining Line addenda with current credit information on commercial, and other major borrowers and/or guarantors.
• Responsible for preparing monthly and quarterly Loan reports for the Senior Lender.
• Preparation of reports as audit of upload process and reports for auditors and examiners.

Preferred Qualifications:

• Bachelor's Degree in Business Administration, Finance, Accounting, or Related Discipline, or Two Years’ experience in Credit Analyst work related field.

Required Knowledge, Skills, & Abilities:

• Strong understanding of risk management and credit mitigants
• Knowledge of risk ratings analysis
• Strong analytical and financial modeling ability
• Strong client service skills
• Strong organizational skills
• Strong verbal and written communication skill
• Strong relationship building skills
• Proficiency using Microsoft Office software products including advanced Excel