Commercial Credit Analyst jobs in Alabama

Commercial Credit Analyst collects, reviews, and analyzes data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications. Uses multiple sources of information, including financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and complete an analysis of the applicant's financial status. Being a Commercial Credit Analyst calculates debt-to-income (DTI) ratios to evaluate an applicant's ability to repay the loan. Prepares credit memos in a standardized format that includes key ratios, supporting information, an executive summary, and objective recommendations. Additionally, Commercial Credit Analyst presents credit reports to loan officers and loan committees. Requires a bachelor's degree. Typically reports to a supervisor or manager. The Commercial Credit Analyst work is closely managed. Works on projects/matters of limited complexity in a support role. To be a Commercial Credit Analyst typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)

F
Credit Analyst
  • Farm Credit Network
  • Opelika, AL FULL_TIME
  • The holder of this position will develop and analyze all types of credit information with a large range of complex loan requests up to multi-million-dollar. The analysis includes an in-depth interpretation of the applicant's financial information with a focus on owners' equity, working capital, and debt coverage to determine the short and long-term viability of the loan request. Prior experience in tax document preparation translates well in this position. The analyst will analyze the overall risk to the Association by utilizing those ratios and our potential collateral position to help the branch determine the best route forward on all loan requests.



    Responsibilities/Duties
    • Obtains and assembles information provided by the loan officer into a coherent and comprehensive loan package.
    • Uses provided financial information to determine potential risks to the company and applicant credit worthiness.
    • Analyzes financial statements, tax returns, and profit and loss statements for any individual or business associated with the loan request.
    • Processes and prepares underwriting analysis for authorized credit personnel to make credit decisions, under direction of the Credit Analysis Manager.
    • Maintains and makes recommendations on loan underwriting standards and procedures.
    • Studies and researches the economic lending environment and the industries financed by the Association.


    Education/Experience/Knowledge
    • Bachelor's degree in Accounting, Finance, Business, or Economics.
    • Two to five years of credit analysis and/or tax return work experience preferred.
    • Experience in tax document preparation highly preferred, but not required.
    • Solid knowledge of computers, Microsoft Excel, and related software.


    Required Skills/Abilities
    • Strong analysis, judgment, and communication (oral and written) skills.
    • Problem solving skills and ability to work in a team atmosphere.
    • High level of efficiency, accuracy, and responsibility.
    • Motivated with a strong desire to take on new challenges and learn.
    • Ability to handle frequent changes, delays, or unexpected events.
    • Regularly exercises discretion and independent judgment.
    • Self-starter and ability to be assertive and arrive at sound business decisions.
    • Demonstrates initiative and can work responsibly with minimal supervision.


    Leadership and advancement opportunities are available to analysts who display a thorough understanding of company policies, communicate clearly and effectively throughout the loan approval process, and adequately develop their knowledge of farm and nonfarm industries.



    More experienced hires have an elevated ability to transition to team leaders within the department. Team leaders require exceptional analytical skills, as well as team-oriented focus to help improve the department. These individuals would be given minor internal supervisory responsibilities to oversee the daily workload of a team of 1-3 junior analysts, as well as serve as their primary point of contact for questions.



    Benefits of being part of the First South team include:
    • Competitive pay
    • Personal development
    • Paid vacation, sick leave, and holidays
    • Medical insurance
    • Dental and vision care
    • Flexible spending accounts
    • Health savings accounts
    • 401(k) with employer matching
    • Disability and life insurance
    • Incentive plan
  • 3 Days Ago

F
Credit Analyst
  • Farm Credit Council
  • Opelika, AL FULL_TIME
  • The holder of this position will develop and analyze all types of credit information with a large range of complex loan requests up to multi-million-dollar. The analysis includes an in-depth interpret...
  • 4 Days Ago

F
Credit Analyst
  • Farm Credit Council
  • Cullman, AL FULL_TIME
  • Summary The holder of this position will develop and analyze all types of credit information with a large range of complex loan requests up to multi-million-dollar. The analysis includes an in-depth i...
  • 11 Days Ago

F
Credit Analyst
  • Farm Credit Network
  • Cullman, AL FULL_TIME
  • Summary The holder of this position will develop and analyze all types of credit information with a large range of complex loan requests up to multi-million-dollar. The analysis includes an in-depth i...
  • 11 Days Ago

F
Credit Analyst
  • First South Farm Credit, ACA
  • Opelika, AL FULL_TIME
  • The holder of this position will develop and analyze all types of credit information with a large range of complex loan requests up to multi-million-dollar. The analysis includes an in-depth interpret...
  • 3 Days Ago

F
Credit Analyst
  • First South Farm Credit, ACA
  • Cullman, AL FULL_TIME
  • Summary The holder of this position will develop and analyze all types of credit information with a large range of complex loan requests up to multi-million-dollar. The analysis includes an in-depth i...
  • 11 Days Ago

H
Commercial Credit Analyst
  • Heritage Financial Credit Union
  • Middletown, NY
  • Heritage Financial Credit Union is a member-owned financial institution that is committed to helping our members achieve...
  • 3/29/2024 12:00:00 AM

P
Commercial Credit Analyst
  • Pacifica Continental
  • Miami, FL
  • Our client is looking for a Commercial Credit Analyst with a business developer profile to join their team in Florida. T...
  • 3/29/2024 12:00:00 AM

S
Commercial Credit Analyst
  • Summit Funding Group, Inc.
  • Mason, OH
  • Summit Funding Group, a wholly owned subsidiary of First Financial Bancorp, located in Mason, OH, is looking for a full-...
  • 3/28/2024 12:00:00 AM

F
Experienced Commercial Credit Analyst - Shenandoah Valley
  • FIRST BANK AND TRUST COMPANY
  • Staunton, VA
  • Job Description Job Description The First Bank and Trust Company is seeking an Experienced Commercial Credit Analyst to ...
  • 3/28/2024 12:00:00 AM

F
Experienced Commercial Credit Analyst - Shenandoah Valley
  • FIRST BANK AND TRUST COMPANY
  • Harrisonburg, VA
  • Job Description Job Description The First Bank and Trust Company is seeking an Experienced Commercial Credit Analyst to ...
  • 3/28/2024 12:00:00 AM

J
Commercial Credit Analyst
  • JCW
  • New York, NY
  • JCW is currently recruiting on behalf of a large bank that's looking to hire a Senior Auditor- Credit Risk for their gro...
  • 3/27/2024 12:00:00 AM

B
Commercial Lender
  • Babich & Associates
  • Waxahachie, TX
  • Our customer, a Regional Bank, is looking for Business Development candidate for their commercial lending team. Our clie...
  • 3/27/2024 12:00:00 AM

L
Credit Analyst I
  • Ledyard National Bank
  • West Lebanon, NH
  • Job Description Job Description Ledyard National Bank is seeking a Commercial Credit Analyst, responsible for supporting...
  • 3/25/2024 12:00:00 AM

Alabama (/ˌæləˈbæmə/) is a state in the southeastern region of the United States. It is bordered by Tennessee to the north, Georgia to the east, Florida and the Gulf of Mexico to the south, and Mississippi to the west. Alabama is the 30th largest by area and the 24th-most populous of the U.S. states. With a total of 1,500 miles (2,400 km) of inland waterways, Alabama has among the most of any state. Alabama is nicknamed the Yellowhammer State, after the state bird. Alabama is also known as the "Heart of Dixie" and the "Cotton State". The state tree is the longleaf pine, and the state flower is...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Commercial Credit Analyst jobs
$48,347 to $63,296

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