Credit Analyst II

Cadence Bank Birmingham , AL 35202

Posted 1 month 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

Education:

  • 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
lc_ad

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
Tech Support Analyst II

Protective Life Corporation

Posted 3 days ago

VIEW JOBS 2/19/2020 12:00:00 AM 2020-05-19T00:00 Provides quality technical end user support for Protective Life Corporation's internal employees. * Receives, responds to and logs support calls from all areas of the company via the Technical Support Center ACD line, email or through the web. * Troubleshoots and restores routine to complex technical service and equipment problems by analyzing, identifying and diagnosing faults and symptoms using remote control tool and established processes and procedures. Works to analyze and resolve the problem as quickly as possible or escalates to the appropriate team to ensure timely resolution. * Provides hands-on interactions as needed for projects or maintenance, of routine to complex desktop hardware tasks when unable to resolve through remote control tools. * Strives to achieve a high degree of customer satisfaction by maintaining a high percentage of first call resolution. * Works in a team environment and consults co-workers and procedures to optimize problem resolution. Assists other team members as needed. Assists with documenting technical processes and procedures utilized by the team and its customers. * Logs, documents and closes customer incidents/requests through call tracking software and in accordance with established procedures. * Communicates effectively with customers, technical experts and all levels of management. * Ability and willingness to work outside of normal business hours to accomplish work assignments. Ability and willingness to work on-call responsibilities, including nights and weekends. * Performs other IT duties as assigned by management. Work Experience, Education, Certification/Training Required: * Minimum of 3-4 years of professional, technical, or customer support experience in a corporate environment supporting hardware and software for at least 500 users both remotely and desk side. * 3-4 years experience supporting: * Windows 7, 8 and 10 desktop operating systems, MS Office 365. * Desktops, laptops, mobile devices, smart phones * Printers, scanners, copiers, and other peripherals in WAN/LAN/WLAN environment. * BA/BS in a related field preferred or equivalent experience * Experienced with LAN, WAN / VDI, Citrix and Cloud environments * Experienced with the installation, repair and replacement of desktop computers. Knowledge, Skills and Abilities required: * Has a strong customer service orientation and desire to embrace technology as a means of improving service. * Excellent customer service skills * Excellent skills with Microsoft Windows operating systems and Microsoft Office. * Project management or working in a project-oriented environment * Ability to think outside of the box * Self-starter * Excellent oral and written communications skills * Attention to detail * Ability to multi-task Protective Life Corporation Birmingham AL

Credit Analyst II

Cadence Bank