Job Details

We are looking for a Credit Analyst to join our Greenville, Columbia, Florence, or Charleston Market!

The position supports the Bank's commercial lending team by analyzing credit data and financial information of persons or companies that are applying for a commercial loan to provide the lender with a clear picture of the customers business and financial health as well as their credit worthiness and identify a risk profile. This assists the lender determine the right loan structure for the customer and the bank.

Direct Reports: None

Key Responsibilities:

• Support the Bank's "client first" focus and rules of engagement-maintaining a professional demeanor, working as an active member of the credit administration team and providing clients excellent service.
• Enter, update and retrieve information for the credit application from customer
• Evaluates customer data and financial statements in order to determine degree of risk involved in lending to the customer
• Evaluates financial status of clients by producing financial ratios through computer programs
• File out the credit analysis section of the loan package and submits to Lender to complete credit underwriting and request.
• Ensure that all communications with clients are positive. If problems are encountered escalate the matter to the appropriate party, and taking ownership and following up on a daily basis as necessary until conclusion.
• Assists with audit responses/internal loan reviews and completion of checklists.

Knowledge:

• Knowledge of various federal regulations including Bank Secrecy Act, Community Reinvestment Act, Americans with Disabilities Act, Right to Financial Privacy Act, Gramm-Leach-Bliley Act, Regulation E and US PATRIOT Act.

Skills:

• • Accounting
  • Finance
  • Ratio Analysis
  • Statistics
  • Risk assessment / financial statement analysis
  • Strong mathematical and analytical skills
  • Excellent PC skills (word, excel mandatory at expert level)
  • Understanding of federal banking loan compliance and requirements.

Abilities:

• Strong "client first" interest and ability
• Ability to prioritize multiple competing tasks
• Ability to communicate effectively verbal and written
• Sense of discretion and ability to maintain strict confidentiality

Other Requirements:

• College Degree required in finance, accounting or business
• Two to three years of experience in a commercial lending environment preferred
• Certifications (if not certified – expect to have associate certified in 1&2 in year 1)
• National Association of Credit Risk Management NACM CCRA certification