Credit Analyst II

Description County National Bank (CNB) is an independent, locally owned, community bank that is successful and growing whose mission is to "sustain its deep commitment to the community and its traditions of excellence in all aspects of banking and provide outstanding client service and solid financial performance." We invite you to share in our mission and vision as a community banker, making a difference in your community while experiencing excellent benefits and career opportunities. CNB is looking for a qualified, motivated, and client- and team-focused individual to join our team as a Credit Analyst II. This position will be ON-SITE at our Jackson location.

JOB SUMMARY

The Credit Analyst II is responsible for independently analyzing and underwriting commercial credit relationships of moderate complexity. This role partners closely with commercial lenders to structure credit solutions, assess risk, and support portfolio management activities. The Analyst II demonstrates a strong understanding of commercial lending, credit policy, and financial analysis. DUTIES Independently analyze commercial client financial statements, tax returns, and related documentation to assess creditworthiness

• Prepare loan presentations for loan committee, which includes preparation of loan application, financial statements, cash flow analysis, and risk assessments
• Perform underwriting commercial credit requests in accordance with bank policy and regulatory requirements
• Monitor assigned commercial loan portfolios, including financial performance, and risk trends
• Maintain accurate and complete files and documentation and provide updates as needed to business partners
• Collaborate with Mortgage and Consumer lending to assess and grade commercial and self-employed borrowers
• Completes and updates various reporting for Loan Committee or Board
• May provide informal guidance to Credit Analyst I staff
• May perform various other duties as assigned

CONTACT WITH OTHERS - INTERNAL

Communicates on a regular basis with members of management to offer advice and opinions concerning laws, regulations, internal controls, policies, or protocols.

CONTACT WITH OTHERS - EXTERNAL

Communicates on a regular basis with external auditors, examiners, correspondent banks, and other bank related agencies and vendors. Requirements SKILLS Strong financial analysis and quantitative skills

• Advanced financial statement and cash flow analysis skills
• Ability to assess complex borrower structures and repayment sources
• Excellent attention to detail and strong organizational skills
• Effective written and verbal communication skills
• Ability to manage multiple priorities and meet deadlines
• Proficient with Microsoft Office programs

QUALIFICATIONS

Required:

Bachelor's Degree in Finance, Accounting, Business Administration, Economics or related field 2-5 years of relevant experience in commercial credit analysis or commercial banking

Preferred:

Demonstrated ability to independently underwrite commercial credit requests Strong understanding or commercial loan structure, collateral, and credit risk management

WORK ENVIRONMENT

This position is an on-site position located in our Jackson, Fields office and may require occasional travel.