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GPAC
Credit Analyst / Underwriter
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Based on Tennessee data
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What they do
A Credit Analyst reviews credit history and researches other records to determine if loans should be approved or credit extended to individuals or businesses. Prepares reports for banks, credit agencies and credit card companies.
$62,950 / year median in Tennessee
-17% projected decline
Job Description
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WeAreHiring:
Credit Analyst & Commercial Underwriting Specialist 🏦 Our client, a Bank in the financial services sector, is seeking a skilled Credit Analyst to provide vital underwriting and analytical support to their Commercial Underwriting team. This is an excellent opportunity to join a dynamic environment where your expertise in financial analysis will directly impact sound lending decisions. 🔍Key Responsibilities:
- Spread and analyze personal and business financial statements, including tax returns, to assess financial capacity for lending.
- Use sophisticated software tools to produce and evaluate key financial ratios and identify trends related to liquidity, revenues, and profitability.
- Collaborate closely with Commercial Lending officers to ensure complete and accurate documentation for new credit proposals and renewals.
- Assist in evaluating loan requests vigilantly, applying credit policies, identifying risks, and preparing clear, high-quality analysis for management and credit committees.
- Communicate effectively with Retail and Lending staff throughout all phases of credit review to facilitate efficient approvals.
- Ensure all loan files comply with applicable laws, regulations, and internal policies. 🎯
Qualifications:
- 2 to 5 years of relevant experience in credit analysis or related roles.
- Bachelor's degree with a concentration in Finance or Accounting.
- Proficient with Microsoft Windows, Office Suite (Word, Excel), and loan processing systems.
- Strong analytical skills with the ability to interpret complex documents and make well-informed decisions.
- Excellent interpersonal skills, capable of building relationships with discretion, diplomacy, and tact.
- Ability to handle physical demands such as lifting up to 50 pounds and remaining stationary for extended periods. 🌟
Preferred Skills:
- Experience in
CRE, C&I
lending, loan structuring, financial structuring, and DSCR analysis. 💼Work Environment:
- Office setting with a professional and collaborative culture. 🎁
Benefits:
- Comprehensive health, dental, and vision coverage, plus a 401(k) plan to help secure your future.
CONFIDENTIAL
conversation about this exciting opportunity, please reach out to me directly! Denise Fair Search Consultant gpac- Banking Division denise.