Commercial Credit Analyst SouthPoint Bank - 2.0 Birmingham, AL Job Details Full-time $55,000 - $65,000 a year 3 hours ago Benefits 401(k) 3% Match Health insurance Dental insurance 401(k) Flexible spending account Paid time off Vision insurance 401(k) matching Qualifications Underwriting Bachelor's degree Attention to detail Manual handling Data collection Full Job Description Job Overview We are seeking a detail-oriented and analytical Credit Analyst to join our financial services team. The ideal candidate will possess strong financial acumen and a comprehensive understanding of credit analysis, risk assessment, and financial modeling. This role is crucial in evaluating creditworthiness, managing loan origination processes, and supporting portfolio management efforts. The Credit Analyst will work closely with various departments to ensure sound financial decisions are made based on thorough data collection and analysis. Responsibilities Analyzes applicant financial status, credit, and collateral evaluation to determine feasibility of granting loans for recommendation. Examines, evaluates, and recommends risk rating and loan decision based on analysis Prepares Credit Offering Reports and Term Sheets (with Lender assistance). Notify loan operations when a loan has been decisioned Compiles executed Credit Offering Reports for submitting to loan specialist for booking. Collaborates with Lenders managing matured loans. Contributes with Lenders on Account Monitoring Plans for accounts and/or relationships. Conducts market or industry research when needed. Skills Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data. Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics. Develops project plans; Coordinates projects; Communicates changes and progress; Completes projects on time and budget. Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness. Develops strategies to achieve organizational goals; Understands organization's strengths & weaknesses; Analyzes market and competition; Adapts strategy to changing conditions. Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals. Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation. Meets productivity standards; Completes work in timely manner. Bachelor's degree or equivalent combination of education and experience required. One to three years of experience in credit analysis and loan underwriting in a financial institution or equivalent experience in loan review, auditing, or financial analysis required. To perform this job successfully, an individual should have knowledge Microsoft office products including Word and Excel. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision. While performing the duties of this job, the employee is occasionally required to stand; walk; sit; talk and/or listen.

Job Type:

Full-time Pay:

$55,000.00 - $65,000.00 per year

Benefits:

401(k) 401(k) 3% Match Dental insurance Flexible spending account Health insurance Paid time off Vision insurance

Education:

Bachelor's (Required)

Experience:

Credit Analyst and Loan Underwriting:

3 years (Required) Ability to

Commute:

Birmingham, AL 35243 (Required) Ability to

Relocate:

Birmingham, AL 35243: Relocate before starting work (Required)

Work Location:

In person