Credit Analyst II

Cadence Bank Birmingham , AL 35202

Posted 4 weeks ago

Credit Analyst

Primary duty is to 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.

  • 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.

  • Performs other duties as required.

Required Skills:

  • 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

  • 2-3 Years of Commercial Credit Underwirting experience


  • Bachelor's Degree in Finance, Accounting or related discipline required.

The above statements are intended to describe the general nature and level of the work being performed by people assigned to this work. This is not an exhaustive list of all duties and responsibilities. Cadence Management reserves the right to amend and change responsibilities to meet business and organizational needs as necessary. Cadence Bank is an affirmative action/equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, status as a protected veteran, among other things, or status as a qualified individual with disability.

icon no score

See how you match
to the job

Find your dream job anywhere
with the LiveCareer app.
Mobile App Icon
Download the
LiveCareer app and find
your dream job anywhere
App Store Icon Google Play Icon

Boost your job search productivity with our
free Chrome Extension!

lc_apply_tool GET EXTENSION

Similar Jobs

Want to see jobs matched to your resume? Upload One Now! Remove
Commercial Credit Analyst Up To 70K Birmingham AL Job 1874

The Symicor Group

Posted 2 days ago

VIEW JOBS 2/18/2020 12:00:00 AM 2020-05-18T00:00 <h3>The Position</h3><p>Our client is seeking to fill a Commercial Credit Analyst role in the greater Birmingham, AL market. The successful candidate will be responsible for providing analytical support to Commercial Lending Officers to ensure client service standards are met and loan documentation and credit presentations are following applicable standards, policies, procedures, and regulatory requirements.</p><p>The position includes a generous salary of up to $70K with an excellent benefits package. (This is not a remote position.)</p><p>Commercial Credit Analyst responsibilities include:</p><ul> <li>Supporting the Bank’s lending activities by providing insightful and timely credit analysis of prospective and current borrowers, including interpretation of financial statements, collateral and cash flows.</li> <li>Interacting with loan officers, credit managers, other lending support staff, customers, accountants, and appraisers.</li> <li>Analyze financial data to determine the merits of loan requests.</li> <li>Spreading and analyzing financial statements utilizing spreading software.</li> <li>Recommend structure as well as identifying cross-selling/referring opportunities of other services.</li> <li>Perform other duties and special projects as assigned.</li> </ul><p><strong>Requirements</strong></p><h3>Who are You?</h3><p>You’re someone who wants to influence your own development. You’re looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future.</p><p>You also bring the following skills and experience:</p><ul> <li>Bachelor’s degree in accounting, finance, or business administration preferred; accounting/finance experience is beneficial. The appropriate combination of education and experience will be considered in lieu of a degree.</li> <li>Two or more years of credit analysis experience required</li> <li>Must possess attention to detail, accuracy in work performed, and can multi-task while maintaining focus.</li> <li>Excellent PC skills required; must demonstrate the ability to mentor/coach other team members while completing their own work at a high level.</li> </ul><p><strong>Benefits</strong></p><p>The position includes a generous salary of up to $70K with an excellent benefits package. (This is not a remote position.)</p> The Symicor Group Birmingham AL

Credit Analyst II

Cadence Bank