Credit Analyst

About the role

At Falcon National Bank, we are passionate about helping our customers and the communities where we live and work. This is accomplished by finding talented individuals who share in our Mission of building life-long relationships, our Vision of growth and success, and our Values of high integrity and reliable execution. Falcon National Bank is currently looking for a Credit Analyst to join our team in our Foley location.

Posted on 9/14/2026.

Responsibilities

• Assists Loan Officers and Equipment Finance Division (EFD) in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture, policy, and current economic and industry trends.
• Assists Loan Officers and EFD in gathering data from customers, internal and outside sources; prepares spreadsheets and analyzes financial information including financial statements and tax returns; contacts customers for additional information and clarification of data.
• Utilize expertise in lending and credit analysis, along with communication, interpersonal, and coaching skills, to enhance the team’s skills and grow our commercial loan and lease portfolio.
• Knowledge of equipment leasing, SBA 7a, SBA 504 and USDA lending helpful.
• Analyzes credit bureaus, conducts industry peer comparisons, performs cash flow analyses, completes bank & trade reference calls, and other such tasks.
• Writes financial reviews and reports to include, but not limited to; annual reviews, credit presentations and MCFs as well as makes recommendation on loan structures and terms to Loan Officers.
• Assists Loan Officers and EFD in coordinating the processing of approved loans and leases; ensure loans and leases are processed according to the agreement, customer needs, and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans.
• Informs Loan Officers when up-to-date financial statements are needed for commercial accounts; ensures credit inquires and UCC filings are researched to determine creditworthiness and appropriate collateral positioning are achieved.
• Additional responsibilities include participating in the budgeting and strategic planning teams as well as contributing to the formulation, implementation, and administration of commercial lending policies and coordinating with other departments to meet the needs of our customers.
• Assist Loan Officers and EFD in the review and renewal of credit facilities; provides backup support.