Credit Analyst

Duties And Responsibilities

• Produces various Board and loan portfolio reports and ad hoc reports as requested.
• Maintains and updates loan and collateral codes as directed by management.
• Assists in administration of the commercial construction draw process.
• Reviews Construction Loan Packages to ensure the Bank’s position is in compliance with original loan approvals.
• Maintains and updates residential construction monitoring via BankLabs.
• Tracks and works on various projects related to Construction and Commercial Real Estate.
• Collects and analyzes data for CRE lending risk.
• Orders REIS reports as requested.
• Conducts collateral and other code reviews and maintenance as directed by management.
• Generates/compiles various monthly and ad hoc reports as requested.
• Images and files documents, and researches document requests as needed.
• Provides documentation as needed for loan reviews and audits.
• Aids in preparing and distributing Construction Management user guides and supporting other ServisFirst personnel.
• Organizes paper and electronic files in the Credit Administration area.
• Ensures compliance with all relevant regulations and policies.

Qualifications

• Bachelor’s degree in Finance, Accounting or a related field.
• Minimum two (2) years’ experience in financial analysis, banking or a related field.
• Excellent written and verbal communication skills.
• Proficient in Microsoft Office, with a focus on manipulating large data sets in Microsoft Excel.
• Experience in a position requiring attention to detail and data analysis.
• Excellent organizational skills and ability to multi-task.
• Ability to work independently with little supervision.
• Working knowledge of collateral instruments (i.e., letter of credit, UCC filings, and personal/corporate guarantees).
• Preferred background in commercial construction lending or underwriting.

Physical Requirements And Environmental Conditions

• Sustained standing and sitting.
• Frequent use of PC, including typing or sustained attention to monitor.
• Occasional lifting of basic office files or equipment up to 20 lbs.
• Normal office environment with comfortable internal temperatures and low level noise.