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The Manager of Credit Analysis analyzes current credit data and financial statements of individuals or companies to determine the degree of risk involved in extending credit or lending money. The Manager of Credit Analysis prepares reports with the credit information for use in decision making. The Manager of Credit Analysis manages an assigned group of Credit Analysts.
Essential Duties and Responsibilities
Plans, directs and supervises the daily operations of their assigned group of Credit Analysts: collaborates in hiring and retention; maintains schedules, coaches, conducts performance appraisals, disciplines, trains and cross trains staff regarding service expectations, job performance standards, policies, procedures, regulations and systems.
Develops credit information for use by loan officers or committees in the making of lending decisions regarding new, renewal, and extension loans, by reviewing all pertinent credit and financial information, including reporting services, credit bureaus, other companies, and electronic stored files.
Analyzes information statements and related material and prepares summaries and presents facts, and offers thoughts concerning credit-worthiness.
Analyzes factors such as income growth, margins, trends, quality of management, market shares, potential risks of industry and collateral appraisals.
Prepares credit and cash flow analyses; submits credit approval documents and write-ups to appropriate personnel for decision making.
Monitors compliance with loan agreements.
Provides support of loan officers and managers through financial statement spreading and analysis of new loan requests and existing credit relationships.
Provides assistance and information to loan officers and/or managers, as requested.
Performs other duties and responsibilities as assigned.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
Ability to read, write, and comprehend simple instructions, procedures, business correspondence, reports, and memorandums.
Ability to read, analyze and interpret documents such as financial reports, legal documents, procedures manuals, general business correspondence and/or journals or government regulations.
Ability to effectively present information in one-on-one and small group situations, to customers, clients, management, board of directors, other employees in the organization, and the general public.
Education and/or Experience
BS/BA Degree in Finance, Accounting, Business or a related field, and
Seven years of previous credit analysis experience.
Prior supervisory experience preferred.
Other Qualifications (including physical requirements)
Ability to manage multiple projects.
Ability to prioritize and organize.
Ability to lead other employees in the achievement of their duties.
Strong analytical and organizational skills.
Excellent written and verbal communication skills.
Proficiency in Microsoft Word and Excel.
Equal Employment Opportunity Information: Simmons First National Corporation and its subsidiaries are committed to a policy of equal employment with respect to a person's race, color, religion, sex, ancestry, sexual orientation, gender identity, national origin, covered veterans, military status, physical or mental disability or any other legally protected classifications. Simmons First National Corporation and its subsidiaries are committed to Affirmative Action Programs consisting of results-oriented procedures to ensure equal employment opportunities. These programs require positive action in lieu of neutral non-discrimination and merit hiring/performance policies.