Credit Analyst

IN-OFFICE | FULL-TIME

Boulo is recruiting a Credit Analyst for our client, a values-driven, community-focused institution offering personalized wealth management and banking solutions, backed by a culture of professionalism, integrity, and innovative spirit.

Employment Type : Full-time and In-office in Birmingham, Alabama

Flexibility : Small team environment and flexible work culture

Benefits : Yes

Our client is hiring a Credit Analyst to join their Private Wealth Credit Team and work in a collaborative environment to assess risk with any new or existing client & manage commercial credit risk. An ideal candidate would meet the qualifications listed below, and more importantly, be able to demonstrate that they live by their Core Values (Golden Rule, Character, Innovative Spirit, Professionalism, Work Ethic).

Key Roles / Responsibilities :

• Underwrite business and personal loan requests, identify key issues, offer mitigants as needed, discuss with client advisors and team leads for Private Banking.
• Assemble loan approval packages for review and be able to articulate an argument for or against.
• Manage ongoing credit risk in existing loans via ongoing business and personal financial analysis, construction project monitoring, industry reviews, Loan Review or Examiner suggestions.
• See that credit policies are adhered to or point out deviations thereon with proper notices and approvals put to file.
• Assist loan operations with review of loan documents such that all loans are documented within the boundaries of their previously approved terms.

Responsibility Details :

• Ability to analyze and interpret financial statements, tax returns for corporate and individual clients.
• Ability to conduct cash flow analysis, global cash flow analysis, and interpret balance sheet and income statement performance ratios.
• Contacts banks, trade and credit associations, salespeople, and others to obtain credit information.
• Studies economic trends in firm's industry or branch of industry to predict probable success of new client.
• Evaluates results of investigations, prepares reports of findings, and suggests credit limitations to management.
• Maintains database of client credit histories.
• Provide ongoing maintenance of a loan portfolio including, but not limited to ensuring financial information is up to date, testing of financial covenants, and aiding in the risk management of the bank's asset-based credit facilities.
• Assist loan operations with review of loan documents pre-closing and assist client advisors in discussions with closing attorneys.

Successful candidates will have :

• Bachelor's degree (B A.) or equivalent; and three to five years of related experience.
• Financial statement spreading experience preferred.
• Ability to be flexible to be responsive to issues and problem solve.
• Excellent written and verbal communication - ability to professionally interact with associates and clients.
• Advanced knowledge and understanding of loan products, credit policies and procedures and federal regulations are desired.
• Ability to thrive in a team environment and collaborate well with other Credit Analysts & Associates to meet all client needs and strategic objectives.

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