Community Bank Credit Analyst

Community Bank Credit Analyst Track After the initial three-month training course in Houston, Analysts in this track will return to their home base market to work directly with their community bank team, assisting them with credit presentations and other analytical support. Upon completion of the program, Analysts in this role tend to pursue a business development role within their market Analyze and underwrite credit decisions submitted by various lines of business within the bank. Performs basic research and financial/statistical analysis to determine and document the creditworthiness of such requests. Compiles analysis, borrower, industry and other information into documents for review and approval. • Obtains and analyzes pertinent financial and credit data to assist in determining the risk of the loan request(s). • Completes financial and repayment analysis with a focus on cash flow, liquidity and leverage analysis. • Assesses strengths and weaknesses of loan requests. • Ensures the following standard operating procedures are met when preparing analysis, reports, and presentations for management review: accurate historical financial statements; prudently prepared projections; and represents a clear focus on the merits, risks, and mitigation accordingly. • Thoroughly documents the credit request in the appropriate format. • Conducts research to determine the quality, character, and soundness to include but is not limited to: the analysis of basic statistical data & financial statements, sensitivity analysis, industry analysis, management assessment, guarantor analysis, etc. • Assist senior team members and commercial bankers to screen loan packages and collect materials. Will need to interact with other departments within the bank such as Treasury Mgmt, Wealth Mgmt, Trust, etc. May also interact with customers and accountants. • Strives to minimize turnaround time while thoroughly documenting credit requests. • Participate in training courses as requested. • Works cooperatively with others. • Regular and reliable attendance. Required Skills • 3.0 or higher GPA • Minimum of 9 hours of accounting • Strong technical and interpersonal skills • Demonstrated leadership through extracurricular activities and internship/work experience • Strong oral and written communication skills • Knowledge of credit risk analysis and underwriting principles, methods, and practices. • Basic proficiency using Microsoft Office applications to include Word and Excel, as well as other database application systems Education Bachelor's Degree in Finance, Accounting or related discipline required. If your experience aligns with this description, please consider applying. Many skills are transferable among industries and a passion for the role and willingness to learn are important considerations. We believe that a diverse workforce creates problem-solving and creative thinking, which is why we’re dedicated to adding new perspectives to the team and encourage everyone to apply. The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. Cadence Bank is an affirmative action/equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, status as a protected veteran, among other things, or status as a qualified individual with disability. #LI-RF1 Education Required • Bachelors or better • High School or better Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c) Apply Job!