SouthEast Bank
  • - Credit
  • TN, USA
  • Salary
  • Full Time

TITLE: Credit Analyst
DEPARTMENT: Credit
SUPERVISES: N/A
JOB CLASSIFICATION: Exempt/Salaried

LOCATION: Chattanooga or Knoxville

HOURS: M-F; 8am-5pm

BASIC FUNCTION:

Review, analyze and document customer financial condition and repayment capacity.
ESSENTIAL FUNCTIONS:

  • Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
  • Analyze customer financial statements.
  • Prepare reports that discuss the degree of risk involved in extending credit.
  • Complete credit analyses, summarize requests, and submit to approving officer.
  • Generate financial ratios to analyze profitability trends.
  • Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
  • Consult with customers, accountants and other professionals to verify financial and credit information.
  • Participate in major department projects and take an active role in cross-functional teams to assist in driving quality improvements, processes, and initiatives.
  • Actively participate and communicate in team based work groups that make up Credit Department.

SKILLS, KNOWLEDGE AND TRAINING:

  • Organizational and Research skills
  • Good communication skills to convey information effectively
  • Detail orientated
  • Flexibility and ability to multi-task
  • Critical thinking
  • Basic accounting and finance principles in the interpretation of customer financial statements.
  • Effective business writing and professional communication.

WORKING CONDITIONS:

  • Sitting for long periods of time
  • Lift 10-20lbs periodically
  • Periodic travel

REQUIREMENTS:

  • Bachelor's degree in Accounting/Finance preferred.
  • 3-5 years experience in Financial Analysis preferred.
  • 1-2 years knowledge with computer technology including, but not limited to Microsoft Office, Word, Excel, Power Point, E-Mail and internet navigation.
SouthEast Bank
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SouthEast Bank