Cadence Bank Tupelo , MS 38804
Posted 1 week ago
What The Role Is
Analyze and underwrite credit decisions submitted by various lines of business within the bank. Performs basic research and financial/statistical analysis to determine and document the creditworthiness of such requests. Compiles analysis, borrower, industry and other information into documents for review and approval.
How You will Make an Impact
Obtains and analyzes pertinent financial and credit data to assist in determining the risk of the loan request(s).
Completes financial and repayment analysis with a focus on cash flow, liquidity and leverage analysis.
Assesses strengths and weaknesses of loan requests.
Ensures the following standard operating procedures are met when preparing analysis, reports, and presentations for management review: accurate historical financial statements; prudently prepared projections; and represents a clear focus on the merits, risks, and mitigation accordingly.
Thoroughly documents the credit request in the appropriate format.
Conducts research to determine the quality, character, and soundness to include but is not limited to: the analysis of basic statistical data & financial statements, sensitivity analysis, industry analysis, management assessment, guarantor analysis, etc.
Assist senior team members and commercial bankers to screen loan packages and collect materials. Will need to interact with other departments within the bank such as Treasury Mgmt., Wealth Mgmt., Trust, etc. May also interact with customers and accountants.
Strives to minimize turnaround time while thoroughly documenting credit requests.
Participate in training courses as requested.
Who You Are
3.0 or higher GPA
Minimum of 9 hours of accounting
Strong technical and interpersonal skills
Demonstrated leadership through extracurricular activities and internship/work experience
Strong oral and written communication skills
Knowledge of credit risk analysis and underwriting principles, methods, and practices.
Basic proficiency using Microsoft Office applications to include Word and Excel, as well as other database application systems
Bachelor's Degree in Finance, Accounting or related discipline required.
If your experience aligns with this description, please consider applying. Many skills are transferable among industries and a passion for the role and willingness to learn are important considerations. We believe that a diverse workforce creates problem-solving and creative thinking, which is why we're dedicated to adding new perspectives to the team and encourage everyone to apply.
Cadence Bank