2027 Commercial Banking Development Program - Credit Analyst - Atlanta, GA - Commercial Banking Technology

Responsibilities

• Spread, manage and maintain financial background information on present and prospective customers.
• Develop credit studies for Loan Officers, Chief Credit Officer, and other Executive Management.
• Manage spread assignments.
• Conduct financial analyses.
• Maintain related records and files.
• Prepare a variety of credit department reports.
• Support the Credit Administration team in analyzing credit and collateral information to determine risk involved in lending money to customers.
• Collect, organize, analyze company financials to ensure Bank compliance, and update the Bank’s systems accordingly.
• Work directly with clients to resolve compliance issues and operational inquiries.
• Review client financials and perform sensitivity analysis to evaluate credit risk in connection with Bank structures.
• Prepare in-depth reports providing plans of action based on qualitative and quantitative research.
• Collaborate cross-functionally with Bank groups to execute treasury management products, foreign exchange instruments, derivatives, and legal documents.
• Produce loan packages for new and restructured loans.
• Facilitate reporting and requests on behalf of the Bank with third parties (e.g., field auditors, appraisers).
• Monitor loan disbursements to ensure compliance with Bank regulations.

Requirements

• Completion of an Accounting course.
• Bachelor's degree or equivalent experience.
• GPA of 3.0 or higher.

Skills

• Strong analytical skills.
• Strong conceptual skills.
• Strong communication skills.
• Strong leadership skills.
• Strong organizational skills.
• Interest in working in Commercial Banking.
• Ability to self-motivate and work productively without supervision.
• Entry-level speaking and writing communications skills.

Benefits

• Competitive salaries.
• Ownership stake in the company.
• Medical and dental insurance.
• Time off.
• Great 401k matching program.
• Tuition assistance program.
• Employee volunteer program.
• Wellness program.
• Opportunity to bolster business knowledge and learn how successful companies operate and manage finances, gaining hands‑on experience to help grow your career.