Credit Analyst I (Part-time)

Position Title : Credit Analyst I

Exempt Status :

Non-Exempt, Part Time Hourly

Reports to :

Commercial Underwriting Manager

Summary of the Job :

Provides credit analysis support by analyzing commercial loan requests, evaluating the financial condition of businesses and individuals, identifying strengths and weaknesses, providing recommendations and noting any deviations from policy as appropriate.

Essential Functions :

• Evaluates the level of risk posed to the bank from borrowers, transactions, collateral, and industries.
• Analyzes and evaluates complex financial information, loan data, market data, and other information for companies and industries.
• Produces analysis for new, renewal and existing loans, using data provided from financial statements, tax returns, industry sources, credit bureaus, and other sources.
• Prepares memorandums, spreadsheets, reports, summaries and opinions for credit committee and officers for use in lending decisions. These work products may include credit investigations of companies and industries; economic and market conditions; in-depth historical financial analysis; in-depth projected financial analysis; "what if" scenarios that test the reasonableness of projections; collateral analysis; and the financial analysis of individuals.
• Creates, reviews, and updates new and existing reports for Southside Bank's loan portfolio analysis and tracking, as needed.
• Provides technical advice and assistance to loan officers, as needed.
• Attends meetings, as appropriate, and is available to answer questions regarding credit analysis.
• May participate in customer meetings, as needed.
• Maintains knowledge of current and emerging legal, compliance, and market matters involving commercial lending.
• Participates in special projects and assignments and performs other duties as assigned.
• Provides enthusiastic, professional, and courteous service to the Southside Bank's customers and employees.
• Maintains a positive atmosphere for customers and employees consistent with Southside Bank's mission and philosophy.
• Maintains the security and confidentiality of pertinent information and records.
• Must comply with all applicable laws, regulations, and bank policies.

Required Education / Experience :

Technical Skills :

Personal Traits

Physical Activity / Dexterity :

Physical Environment Demands :

Working Conditions / Environment :

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 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)